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Kure Beach town, NC

ZIP 28449 — Housing & Real Estate

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

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 28449

Median Home Value
$643,400
Median Rent
$1,125
Affordability Snapshot
$177,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,133/mo PITI).

13%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

6.0x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

47.7 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 28449 in Kure Beach town, NC, a household would need roughly $177,000 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 $4,133. That is about 66% above the local median household income ($106,518), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 55% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
77.5%+19% vs US avg
x
Vacancy Rate
54.8%+432% vs US avg
x
Broadband Access
97.0%+11% vs US avg
x
4+ Bedrooms
10.8%-27% vs US avg
x
Built Pre-1939
5.8%-55% vs US avg
x
Built Post-2014
0.3%-96% vs US avg
x
Rent Burden >30%
4.5%-91% vs US avg
x
Mortgage-Free
35.1%-8% vs US avg
x
$643,400
Home Value
$1,125
Rent
1995
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached75.4%
  • 1-unit attached10.8%
  • 2-9 units10.4%
  • 10+ units3.1%
  • Mobile home & other0.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$643,400
Median rent$1,125
Owner-occupied77.5%
Vacant54.8%
Price-to-income6.0x
Est. income to buy$177,000