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Elkin town, NC

ZIP 28621 — 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 28621

Median Home Value
$147,500
Median Rent
$547
Affordability Snapshot
$41,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$948/mo PITI).

12%
Rent-to-Income Ratio

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

2.7x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

22.5 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 28621 in Elkin town, NC, a household would need roughly $41,000 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 $948. That sits below the local median household income ($54,481), 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 13% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
69.9%+7% vs US avg
x
Vacancy Rate
13.1%+27% vs US avg
x
Broadband Access
84.7%-3% vs US avg
x
4+ Bedrooms
2.2%-85% vs US avg
x
Built Pre-1939
8.4%-34% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
19.0%-62% vs US avg
x
Mortgage-Free
52.8%+38% vs US avg
x
$147,500
Home Value
$547
Rent
1974
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 detached63.3%
  • 1-unit attached0.7%
  • 2-9 units6.0%
  • 10+ units6.5%
  • Mobile home & other23.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$147,500
Median rent$547
Owner-occupied69.9%
Vacant13.1%
Price-to-income2.7x
Est. income to buy$41,000