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Lincolnton city, NC

ZIP 28092 — 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 28092

Median Home Value
$220,700
Median Rent
$726
Affordability Snapshot
$61,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,418/mo PITI).

14%
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.

25.3 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 28092 in Lincolnton city, NC, a household would need roughly $61,000 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 $1,418. That is roughly in line with the local median household income ($62,625). 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
70.0%+7% vs US avg
x
Vacancy Rate
7.4%-28% vs US avg
x
Broadband Access
88.0%+1% vs US avg
x
4+ Bedrooms
2.2%-85% vs US avg
x
Built Pre-1939
4.6%-64% vs US avg
x
Built Post-2014
1.0%-85% vs US avg
x
Rent Burden >30%
24.8%-50% vs US avg
x
Mortgage-Free
43.0%+13% vs US avg
x
$220,700
Home Value
$726
Rent
1984
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached70.5%
  • 1-unit attached1.1%
  • 2-9 units10.6%
  • 10+ units2.9%
  • Mobile home & other14.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$220,700
Median rent$726
Owner-occupied70.0%
Vacant7.4%
Price-to-income3.5x
Est. income to buy$61,000