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New Bern city, NC

ZIP 28560 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 28560

Median Home Value
$191,600
Median Rent
$738
Affordability Snapshot
$53,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,231/mo PITI).

14%
Rent-to-Income Ratio

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

3.1x
Home Price-to-Income Ratio

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

21.6 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 28560 in New Bern city, NC, a household would need roughly $53,000 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 $1,231. That sits below the local median household income ($62,142), 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 17% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
71.2%+9% vs US avg
x
Vacancy Rate
17.1%+66% vs US avg
x
Broadband Access
82.7%-5% vs US avg
x
4+ Bedrooms
1.6%-89% vs US avg
x
Built Pre-1939
6.9%-46% vs US avg
x
Built Post-2014
1.4%-80% vs US avg
x
Rent Burden >30%
27.2%-45% vs US avg
x
Mortgage-Free
43.9%+15% vs US avg
x
$191,600
Home Value
$738
Rent
1986
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 detached71.4%
  • 1-unit attached3.8%
  • 2-9 units8.8%
  • 10+ units1.6%
  • Mobile home & other14.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$191,600
Median rent$738
Owner-occupied71.2%
Vacant17.1%
Price-to-income3.1x
Est. income to buy$53,000