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Matthews town, NC

ZIP 28105 — Housing & Real Estate

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

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 28105

Median Home Value
$389,100
Median Rent
$1,449
Affordability Snapshot
$107,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,499/mo PITI).

17%
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.

22.4 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 28105 in Matthews town, NC, a household would need roughly $107,000 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 $2,499. That is roughly in line with the local median household income ($104,242). 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
67.8%+4% vs US avg
x
Vacancy Rate
5.0%-51% vs US avg
x
Broadband Access
93.2%+7% vs US avg
x
4+ Bedrooms
8.4%-43% vs US avg
x
Built Pre-1939
0.1%-99% vs US avg
x
Built Post-2014
2.5%-64% vs US avg
x
Rent Burden >30%
15.1%-70% vs US avg
x
Mortgage-Free
29.4%-23% vs US avg
x
$389,100
Home Value
$1,449
Rent
1995
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached66.9%
  • 1-unit attached6.1%
  • 2-9 units4.5%
  • 10+ units21.7%
  • Mobile home & other0.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$389,100
Median rent$1,449
Owner-occupied67.8%
Vacant5.0%
Price-to-income3.7x
Est. income to buy$107,000