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West Jefferson town, NC

ZIP 28694 — 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 28694

Median Home Value
$239,800
Median Rent
$498
Affordability Snapshot
$66,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,540/mo PITI).

12%
Rent-to-Income Ratio

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

5.0x
Home Price-to-Income Ratio

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

40.1 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 28694 in West Jefferson town, NC, a household would need roughly $66,000 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 $1,540. That is about 37% above the local median household income ($48,135), 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
78.8%+20% vs US avg
x
Vacancy Rate
27.2%+164% vs US avg
x
Broadband Access
84.3%-3% vs US avg
x
4+ Bedrooms
2.5%-83% vs US avg
x
Built Pre-1939
4.6%-64% vs US avg
x
Built Post-2014
0.2%-97% vs US avg
x
Rent Burden >30%
15.5%-69% vs US avg
x
Mortgage-Free
40.7%+7% vs US avg
x
$239,800
Home Value
$498
Rent
1978
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached80.9%
  • 1-unit attached0.7%
  • 2-9 units5.7%
  • 10+ units1.6%
  • Mobile home & other11.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$239,800
Median rent$498
Owner-occupied78.8%
Vacant27.2%
Price-to-income5.0x
Est. income to buy$66,000