US5.com
  1. Home
  2. States
  3. North Carolina
  4. ZIP 28682
  5. Housing & Real Estate
Lake Norman of Catawba CDP, NC

ZIP 28682 — Housing & Real Estate

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

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 28682

Median Home Value
$595,100
Median Rent
$1,266
Affordability Snapshot
$164,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,823/mo PITI).

16%
Rent-to-Income Ratio

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

6.1x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

39.2 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 28682 in Lake Norman of Catawba CDP, NC, a household would need roughly $164,000 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 $3,823. That is about 69% above the local median household income ($96,949), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 27% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
82.3%+26% vs US avg
x
Vacancy Rate
27.4%+166% vs US avg
x
Broadband Access
85.0%-2% vs US avg
x
4+ Bedrooms
5.0%-66% vs US avg
x
Built Pre-1939
1.9%-85% vs US avg
x
Built Post-2014
4.8%-31% vs US avg
x
Rent Burden >30%
13.6%-73% vs US avg
x
Mortgage-Free
40.2%+5% vs US avg
x
$595,100
Home Value
$1,266
Rent
2001
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 detached82.6%
  • 1-unit attached0.0%
  • 2-9 units1.8%
  • 10+ units4.9%
  • Mobile home & other10.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$595,100
Median rent$1,266
Owner-occupied82.3%
Vacant27.4%
Price-to-income6.1x
Est. income to buy$164,000