US5.com
  1. Home
  2. States
  3. North Carolina
  4. ZIP 28012
  5. Housing & Real Estate
Belmont city, NC

ZIP 28012 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 28012

Median Home Value
$324,400
Median Rent
$1,138
Affordability Snapshot
$89,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,084/mo PITI).

17%
Rent-to-Income Ratio

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

4.0x
Home Price-to-Income Ratio

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

23.8 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 28012 in Belmont city, NC, a household would need roughly $89,000 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 $2,084. That is roughly in line with the local median household income ($81,057). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
68.5%+5% vs US avg
x
Vacancy Rate
4.7%-54% vs US avg
x
Broadband Access
91.2%+5% vs US avg
x
4+ Bedrooms
6.3%-57% vs US avg
x
Built Pre-1939
6.4%-50% vs US avg
x
Built Post-2014
3.6%-48% vs US avg
x
Rent Burden >30%
23.7%-52% vs US avg
x
Mortgage-Free
31.3%-18% vs US avg
x
$324,400
Home Value
$1,138
Rent
1993
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

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

  • 1-unit detached71.2%
  • 1-unit attached6.7%
  • 2-9 units5.5%
  • 10+ units11.7%
  • Mobile home & other4.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$324,400
Median rent$1,138
Owner-occupied68.5%
Vacant4.7%
Price-to-income4.0x
Est. income to buy$89,000