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Richlands town, NC

ZIP 28574 — 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 28574

Median Home Value
$204,500
Median Rent
$851
Affordability Snapshot
$56,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,314/mo PITI).

15%
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.

20.0 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 28574 in Richlands town, NC, a household would need roughly $56,000 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 $1,314. That sits below the local median household income ($66,555), 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 15% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
76.0%+16% vs US avg
x
Vacancy Rate
14.8%+44% vs US avg
x
Broadband Access
94.6%+9% vs US avg
x
4+ Bedrooms
2.2%-85% vs US avg
x
Built Pre-1939
2.6%-80% vs US avg
x
Built Post-2014
0.6%-91% vs US avg
x
Rent Burden >30%
28.4%-43% vs US avg
x
Mortgage-Free
25.7%-33% vs US avg
x
$204,500
Home Value
$851
Rent
2001
Year Built
2016
Moved In

Residents have lived here since ~2016 on average

Housing Structure

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

  • 1-unit detached78.9%
  • 1-unit attached1.0%
  • 2-9 units0.9%
  • 10+ units0.3%
  • Mobile home & other18.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$204,500
Median rent$851
Owner-occupied76.0%
Vacant14.8%
Price-to-income3.1x
Est. income to buy$56,000