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Catawba town, NC

ZIP 28609 — 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 28609

Median Home Value
$229,000
Median Rent
$919
Affordability Snapshot
$63,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,471/mo PITI).

13%
Rent-to-Income Ratio

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

2.8x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

20.8 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 28609 in Catawba 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 $1,471. That sits below the local median household income ($81,756), 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 14% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
86.4%+32% vs US avg
x
Vacancy Rate
13.7%+33% vs US avg
x
Broadband Access
85.3%-2% vs US avg
x
4+ Bedrooms
3.4%-77% vs US avg
x
Built Pre-1939
3.0%-77% vs US avg
x
Built Post-2014
2.0%-71% vs US avg
x
Rent Burden >30%
15.4%-69% vs US avg
x
Mortgage-Free
39.8%+4% vs US avg
x
$229,000
Home Value
$919
Rent
1983
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached83.0%
  • 1-unit attached0.6%
  • 2-9 units0.8%
  • 10+ units0.0%
  • Mobile home & other15.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$229,000
Median rent$919
Owner-occupied86.4%
Vacant13.7%
Price-to-income2.8x
Est. income to buy$63,000