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Huntersville town, NC

ZIP 28078 — Housing & Real Estate

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

Upper Middle ClassLarge CommunityLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 28078

Median Home Value
$441,700
Median Rent
$1,584
Affordability Snapshot
$122,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,837/mo PITI).

16%
Rent-to-Income Ratio

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

3.7x
Home Price-to-Income Ratio

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

23.2 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 28078 in Huntersville town, NC, a household would need roughly $122,000 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 $2,837. That is roughly in line with the local median household income ($120,503). 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
72.2%+10% vs US avg
x
Vacancy Rate
4.5%-56% vs US avg
x
Broadband Access
94.6%+9% vs US avg
x
4+ Bedrooms
14.3%-4% vs US avg
x
Built Pre-1939
1.5%-88% vs US avg
x
Built Post-2014
2.7%-61% vs US avg
x
Rent Burden >30%
17.1%-66% vs US avg
x
Mortgage-Free
22.2%-42% vs US avg
x
$441,700
Home Value
$1,584
Rent
2004
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 detached76.3%
  • 1-unit attached4.3%
  • 2-9 units5.1%
  • 10+ units12.8%
  • Mobile home & other1.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$441,700
Median rent$1,584
Owner-occupied72.2%
Vacant4.5%
Price-to-income3.7x
Est. income to buy$122,000