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Shelby city, NC

ZIP 28152 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 28152

Median Home Value
$188,200
Median Rent
$657
Affordability Snapshot
$52,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,209/mo PITI).

14%
Rent-to-Income Ratio

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

3.4x
Home Price-to-Income Ratio

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

23.9 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 28152 in Shelby city, NC, a household would need roughly $52,000 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 $1,209. That is roughly in line with the local median household income ($55,926). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 14% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
67.7%+4% vs US avg
x
Vacancy Rate
14.0%+36% vs US avg
x
Broadband Access
84.5%-3% vs US avg
x
4+ Bedrooms
3.0%-80% vs US avg
x
Built Pre-1939
3.3%-74% vs US avg
x
Built Post-2014
0.5%-93% vs US avg
x
Rent Burden >30%
19.0%-62% vs US avg
x
Mortgage-Free
39.5%+3% vs US avg
x
$188,200
Home Value
$657
Rent
1979
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 detached70.7%
  • 1-unit attached1.3%
  • 2-9 units10.2%
  • 10+ units2.8%
  • Mobile home & other15.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$188,200
Median rent$657
Owner-occupied67.7%
Vacant14.0%
Price-to-income3.4x
Est. income to buy$52,000