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Granite Falls town, NC

ZIP 28630 — 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 28630

Median Home Value
$197,800
Median Rent
$563
Affordability Snapshot
$54,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,271/mo PITI).

10%
Rent-to-Income Ratio

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

3.0x
Home Price-to-Income Ratio

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

29.3 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 28630 in Granite Falls town, NC, a household would need roughly $54,000 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 $1,271. That sits below the local median household income ($65,713), 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
77.4%+18% vs US avg
x
Vacancy Rate
13.0%+26% vs US avg
x
Broadband Access
91.3%+5% vs US avg
x
4+ Bedrooms
2.6%-82% vs US avg
x
Built Pre-1939
3.5%-73% vs US avg
x
Built Post-2014
0.3%-96% vs US avg
x
Rent Burden >30%
18.9%-62% vs US avg
x
Mortgage-Free
42.5%+11% vs US avg
x
$197,800
Home Value
$563
Rent
1988
Year Built
2009
Moved In

Residents have lived here since ~2009 on average

Housing Structure

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

  • 1-unit detached72.3%
  • 1-unit attached1.1%
  • 2-9 units6.4%
  • 10+ units1.0%
  • Mobile home & other19.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$197,800
Median rent$563
Owner-occupied77.4%
Vacant13.0%
Price-to-income3.0x
Est. income to buy$54,000