US5.com
  1. Home
  2. States
  3. North Carolina
  4. ZIP 28504
  5. Housing & Real Estate
Kinston city, NC

ZIP 28504 — 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 28504

Median Home Value
$124,500
Median Rent
$642
Affordability Snapshot
$34,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$800/mo PITI).

15%
Rent-to-Income Ratio

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

2.5x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

16.2 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 28504 in Kinston city, NC, a household would need roughly $34,000 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 $800. That sits below the local median household income ($50,650), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
61.9%-5% vs US avg
x
Vacancy Rate
7.8%-24% vs US avg
x
Broadband Access
81.7%-6% vs US avg
x
4+ Bedrooms
3.6%-75% vs US avg
x
Built Pre-1939
2.8%-79% vs US avg
x
Built Post-2014
0.1%-99% vs US avg
x
Rent Burden >30%
16.9%-66% vs US avg
x
Mortgage-Free
44.7%+17% vs US avg
x
$124,500
Home Value
$642
Rent
1979
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 detached63.5%
  • 1-unit attached2.1%
  • 2-9 units12.4%
  • 10+ units4.4%
  • Mobile home & other17.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$124,500
Median rent$642
Owner-occupied61.9%
Vacant7.8%
Price-to-income2.5x
Est. income to buy$34,000