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Kinston city, NC

ZIP 28501 — Housing & Real Estate

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

Low Income AreaLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 28501

Median Home Value
$78,600
Median Rent
$456
Affordability Snapshot
$22,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$505/mo PITI).

16%
Rent-to-Income Ratio

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

2.3x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

14.4 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 28501 in Kinston city, NC, a household would need roughly $22,000 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 $505. That sits below the local median household income ($33,823), 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 21% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
48.8%-25% vs US avg
x
Vacancy Rate
20.9%+103% vs US avg
x
Broadband Access
74.7%-14% vs US avg
x
4+ Bedrooms
1.9%-87% vs US avg
x
Built Pre-1939
9.3%-27% vs US avg
x
Built Post-2014
0.3%-96% vs US avg
x
Rent Burden >30%
21.2%-57% vs US avg
x
Mortgage-Free
61.7%+62% vs US avg
x
$78,600
Home Value
$456
Rent
1967
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 detached59.5%
  • 1-unit attached2.3%
  • 2-9 units15.1%
  • 10+ units7.5%
  • Mobile home & other15.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$78,600
Median rent$456
Owner-occupied48.8%
Vacant20.9%
Price-to-income2.3x
Est. income to buy$22,000