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Highlands town, NC

ZIP 28741 — 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 28741

Median Home Value
$596,100
Median Rent
$736
Affordability Snapshot
$164,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,829/mo PITI).

13%
Rent-to-Income Ratio

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

8.7x
Home Price-to-Income Ratio

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

67.5 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 28741 in Highlands town, 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 $3,829. That is about 138% above the local median household income ($68,874), 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 62% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
73.1%+12% vs US avg
x
Vacancy Rate
62.3%+505% vs US avg
x
Broadband Access
77.7%-11% vs US avg
x
4+ Bedrooms
1.9%-87% vs US avg
x
Built Pre-1939
5.7%-55% vs US avg
x
Built Post-2014
0.4%-94% vs US avg
x
Rent Burden >30%
36.1%-27% vs US avg
x
Mortgage-Free
53.1%+39% vs US avg
x
$596,100
Home Value
$736
Rent
1984
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached84.7%
  • 1-unit attached0.6%
  • 2-9 units9.0%
  • 10+ units1.8%
  • Mobile home & other3.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$596,100
Median rent$736
Owner-occupied73.1%
Vacant62.3%
Price-to-income8.7x
Est. income to buy$164,000