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Harkers Island CDP, NC

ZIP 28531 — 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 28531

Median Home Value
$295,500
Median Rent
$716
Affordability Snapshot
$81,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,898/mo PITI).

15%
Rent-to-Income Ratio

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

5.0x
Home Price-to-Income Ratio

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

34.4 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 28531 in Harkers Island CDP, NC, a household would need roughly $81,000 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 $1,898. That is about 38% above the local median household income ($58,750), 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 62% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
84.2%+29% vs US avg
x
Vacancy Rate
62.3%+504% vs US avg
x
Broadband Access
88.8%+2% vs US avg
x
4+ Bedrooms
1.4%-91% vs US avg
x
Built Pre-1939
1.4%-89% vs US avg
x
Built Post-2014
3.5%-50% vs US avg
x
Rent Burden >30%
7.3%-85% vs US avg
x
Mortgage-Free
58.9%+54% vs US avg
x
$295,500
Home Value
$716
Rent
1983
Year Built
1997
Moved In

Residents have lived here since ~1997 on average

Housing Structure

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

  • 1-unit detached61.0%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.7%
  • Mobile home & other38.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$295,500
Median rent$716
Owner-occupied84.2%
Vacant62.3%
Price-to-income5.0x
Est. income to buy$81,000