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Polkton town, NC

ZIP 28135 — 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 28135

Median Home Value
$211,900
Median Rent
$613
Affordability Snapshot
$58,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,361/mo PITI).

11%
Rent-to-Income Ratio

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

3.2x
Home Price-to-Income Ratio

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

28.8 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 28135 in Polkton town, 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 $1,361. That sits below the local median household income ($65,313), 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 12% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
67.5%+3% vs US avg
x
Vacancy Rate
11.9%+16% vs US avg
x
Broadband Access
90.0%+3% vs US avg
x
4+ Bedrooms
1.0%-93% vs US avg
x
Built Pre-1939
2.5%-81% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
16.2%-67% vs US avg
x
Mortgage-Free
60.3%+58% vs US avg
x
$211,900
Home Value
$613
Rent
1987
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 detached58.9%
  • 1-unit attached0.0%
  • 2-9 units3.8%
  • 10+ units0.0%
  • Mobile home & other37.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$211,900
Median rent$613
Owner-occupied67.5%
Vacant11.9%
Price-to-income3.2x
Est. income to buy$58,000