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East Flat Rock CDP, NC

ZIP 28726 — 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 28726

Median Home Value
$178,600
Median Rent
$739
Affordability Snapshot
$49,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,147/mo PITI).

16%
Rent-to-Income Ratio

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

3.2x
Home Price-to-Income Ratio

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

20.1 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 28726 in East Flat Rock CDP, NC, a household would need roughly $49,000 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 $1,147. That sits below the local median household income ($56,638), 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

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
57.9%-12% vs US avg
x
Vacancy Rate
0.0%
x
Broadband Access
81.3%-7% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
2.4%-81% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
10.2%-80% vs US avg
x
Mortgage-Free
60.3%+58% vs US avg
x
$178,600
Home Value
$739
Rent
1982
Year Built
2017
Moved In

Residents have lived here since ~2017 on average

Housing Structure

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

  • 1-unit detached47.1%
  • 1-unit attached2.4%
  • 2-9 units1.2%
  • 10+ units1.4%
  • Mobile home & other47.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$178,600
Median rent$739
Owner-occupied57.9%
Vacant0.0%
Price-to-income3.2x
Est. income to buy$49,000