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Wilkesboro town, NC

ZIP 28697 — 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 28697

Median Home Value
$190,700
Median Rent
$585
Affordability Snapshot
$52,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,225/mo PITI).

13%
Rent-to-Income Ratio

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

3.5x
Home Price-to-Income Ratio

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

27.2 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 28697 in Wilkesboro town, NC, a household would need roughly $52,000 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 $1,225. That is roughly in line with the local median household income ($55,217). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 10% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
68.3%+4% vs US avg
x
Vacancy Rate
10.1%-2% vs US avg
x
Broadband Access
88.9%+2% vs US avg
x
4+ Bedrooms
2.6%-82% vs US avg
x
Built Pre-1939
4.4%-66% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
19.0%-62% vs US avg
x
Mortgage-Free
50.1%+31% vs US avg
x
$190,700
Home Value
$585
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 detached68.3%
  • 1-unit attached0.1%
  • 2-9 units9.0%
  • 10+ units8.3%
  • Mobile home & other14.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$190,700
Median rent$585
Owner-occupied68.3%
Vacant10.1%
Price-to-income3.5x
Est. income to buy$52,000