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Rockwell town, NC

ZIP 28138 — 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 28138

Median Home Value
$204,300
Median Rent
$804
Affordability Snapshot
$56,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,312/mo PITI).

15%
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.

21.2 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 28138 in Rockwell town, NC, a household would need roughly $56,000 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 $1,312. That sits below the local median household income ($64,032), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
69.2%+6% vs US avg
x
Vacancy Rate
4.8%-53% vs US avg
x
Broadband Access
89.2%+3% vs US avg
x
4+ Bedrooms
4.3%-71% vs US avg
x
Built Pre-1939
4.6%-64% vs US avg
x
Built Post-2014
3.5%-49% vs US avg
x
Rent Burden >30%
23.0%-54% vs US avg
x
Mortgage-Free
35.6%-7% vs US avg
x
$204,300
Home Value
$804
Rent
1991
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached64.5%
  • 1-unit attached3.9%
  • 2-9 units7.3%
  • 10+ units2.3%
  • Mobile home & other22.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$204,300
Median rent$804
Owner-occupied69.2%
Vacant4.8%
Price-to-income3.2x
Est. income to buy$56,000