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Harmony town, NC

ZIP 28634 — 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 28634

Median Home Value
$125,700
Median Rent
$722
Affordability Snapshot
$35,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$807/mo PITI).

12%
Rent-to-Income Ratio

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

1.8x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

14.5 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 28634 in Harmony town, NC, a household would need roughly $35,000 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 $807. That sits below the local median household income ($70,375), 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 17% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
81.9%+25% vs US avg
x
Vacancy Rate
16.7%+62% vs US avg
x
Broadband Access
80.4%-8% vs US avg
x
4+ Bedrooms
1.2%-92% vs US avg
x
Built Pre-1939
4.6%-64% vs US avg
x
Built Post-2014
0.1%-98% vs US avg
x
Rent Burden >30%
1.1%-98% vs US avg
x
Mortgage-Free
48.6%+27% vs US avg
x
$125,700
Home Value
$722
Rent
1983
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 detached64.3%
  • 1-unit attached2.7%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other33.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$125,700
Median rent$722
Owner-occupied81.9%
Vacant16.7%
Price-to-income1.8x
Est. income to buy$35,000