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, NC

ZIP 28684 — 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 28684

Median Home Value
$295,300
Median Rent
$1,043
Affordability Snapshot
$81,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,897/mo PITI).

19%
Rent-to-Income Ratio

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

4.5x
Home Price-to-Income Ratio

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

23.6 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 28684 in NC, a household would need roughly $81,000 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 $1,897. That is about 22% above the local median household income ($66,123), 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 43% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
90.2%+38% vs US avg
x
Vacancy Rate
42.6%+314% vs US avg
x
Broadband Access
91.0%+5% vs US avg
x
4+ Bedrooms
0.9%-94% vs US avg
x
Built Pre-1939
0.5%-96% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
45.8%-8% vs US avg
x
Mortgage-Free
72.3%+89% vs US avg
x
$295,300
Home Value
$1,043
Rent
1994
Year Built
2008
Moved In

Residents have lived here since ~2008 on average

Housing Structure

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

  • 1-unit detached89.3%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other10.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$295,300
Median rent$1,043
Owner-occupied90.2%
Vacant42.6%
Price-to-income4.5x
Est. income to buy$81,000