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Albemarle city, NC

ZIP 28001 — 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 28001

Median Home Value
$194,200
Median Rent
$600
Affordability Snapshot
$53,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,247/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.

27.0 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 28001 in Albemarle city, NC, a household would need roughly $53,000 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 $1,247. That is roughly in line with the local median household income ($55,610). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 16% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
66.9%+2% vs US avg
x
Vacancy Rate
15.9%+54% vs US avg
x
Broadband Access
82.2%-5% vs US avg
x
4+ Bedrooms
1.8%-88% vs US avg
x
Built Pre-1939
7.8%-39% vs US avg
x
Built Post-2014
0.9%-87% vs US avg
x
Rent Burden >30%
18.7%-62% vs US avg
x
Mortgage-Free
44.5%+16% vs US avg
x
$194,200
Home Value
$600
Rent
1971
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached79.1%
  • 1-unit attached0.3%
  • 2-9 units11.6%
  • 10+ units1.4%
  • Mobile home & other7.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$194,200
Median rent$600
Owner-occupied66.9%
Vacant15.9%
Price-to-income3.5x
Est. income to buy$53,000