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Kelly CDP, NC

ZIP 28448 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 28448

Median Home Value
$130,400
Median Rent
N/A
Affordability Snapshot
$36,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$838/mo PITI).

2.5x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

To comfortably buy a median-priced home in ZIP 28448 in Kelly CDP, NC, a household would need roughly $36,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $838. That sits below the local median household income ($51,377), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 34% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
76.5%+17% vs US avg
x
Vacancy Rate
33.8%+228% vs US avg
x
Broadband Access
82.3%-5% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
4.3%-67% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
0.0%
x
Mortgage-Free
97.1%+154% vs US avg
x
$130,400
Home Value
N/A
Rent
1992
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached34.3%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other65.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$130,400
Median rent$-666,666,666
Owner-occupied76.5%
Vacant33.8%
Price-to-income2.5x
Est. income to buy$36,000