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Holden Beach town, NC

ZIP 28462 — 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 28462

Median Home Value
$229,800
Median Rent
$710
Affordability Snapshot
$63,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,476/mo PITI).

15%
Rent-to-Income Ratio

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

3.9x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

27.0 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 28462 in Holden Beach town, NC, a household would need roughly $63,000 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 $1,476. That is roughly in line with the local median household income ($58,545). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 54% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
83.1%+27% vs US avg
x
Vacancy Rate
53.5%+420% vs US avg
x
Broadband Access
88.8%+2% vs US avg
x
4+ Bedrooms
2.4%-84% vs US avg
x
Built Pre-1939
0.9%-93% vs US avg
x
Built Post-2014
0.6%-91% vs US avg
x
Rent Burden >30%
33.9%-32% vs US avg
x
Mortgage-Free
56.9%+49% vs US avg
x
$229,800
Home Value
$710
Rent
1992
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached52.9%
  • 1-unit attached1.3%
  • 2-9 units1.9%
  • 10+ units0.4%
  • Mobile home & other43.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$229,800
Median rent$710
Owner-occupied83.1%
Vacant53.5%
Price-to-income3.9x
Est. income to buy$63,000