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Havelock city, NC

ZIP 28532 — 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 28532

Median Home Value
$193,200
Median Rent
$1,174
Affordability Snapshot
$53,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,241/mo PITI).

21%
Rent-to-Income Ratio

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

2.9x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

13.7 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 28532 in Havelock city, NC, a household would need roughly $53,000 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 $1,241. That sits below the local median household income ($65,772), 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 14% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
55.1%-16% vs US avg
x
Vacancy Rate
14.2%+38% vs US avg
x
Broadband Access
87.3%+0% vs US avg
x
4+ Bedrooms
2.5%-83% vs US avg
x
Built Pre-1939
0.9%-93% vs US avg
x
Built Post-2014
1.3%-81% vs US avg
x
Rent Burden >30%
14.6%-71% vs US avg
x
Mortgage-Free
33.6%-12% vs US avg
x
$193,200
Home Value
$1,174
Rent
1989
Year Built
2017
Moved In

Residents have lived here since ~2017 on average

Housing Structure

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

  • 1-unit detached64.4%
  • 1-unit attached14.8%
  • 2-9 units8.0%
  • 10+ units2.2%
  • Mobile home & other10.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$193,200
Median rent$1,174
Owner-occupied55.1%
Vacant14.2%
Price-to-income2.9x
Est. income to buy$53,000