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Gold Hill CDP, NC

ZIP 28071 — 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 28071

Median Home Value
$209,500
Median Rent
$609
Affordability Snapshot
$58,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,346/mo PITI).

9%
Rent-to-Income Ratio

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

2.5x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

28.7 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 28071 in Gold Hill CDP, NC, a household would need roughly $58,000 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 $1,346. That sits below the local median household income ($82,286), 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

Vacancy rate 16% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
87.5%+34% vs US avg
x
Vacancy Rate
16.4%+59% vs US avg
x
Broadband Access
91.5%+5% vs US avg
x
4+ Bedrooms
3.0%-80% vs US avg
x
Built Pre-1939
1.9%-85% vs US avg
x
Built Post-2014
1.2%-82% vs US avg
x
Rent Burden >30%
11.9%-76% vs US avg
x
Mortgage-Free
45.1%+18% vs US avg
x
$209,500
Home Value
$609
Rent
1983
Year Built
2007
Moved In

Residents have lived here since ~2007 on average

Housing Structure

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

  • 1-unit detached63.9%
  • 1-unit attached0.7%
  • 2-9 units0.0%
  • 10+ units0.9%
  • Mobile home & other34.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$209,500
Median rent$609
Owner-occupied87.5%
Vacant16.4%
Price-to-income2.5x
Est. income to buy$58,000