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Jefferson town, NC

ZIP 28640 — 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 28640

Median Home Value
$252,200
Median Rent
$555
Affordability Snapshot
$69,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,620/mo PITI).

13%
Rent-to-Income Ratio

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

5.0x
Home Price-to-Income Ratio

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

37.9 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 28640 in Jefferson town, NC, a household would need roughly $69,000 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 $1,620. That is about 35% above the local median household income ($50,946), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 27% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
69.2%+6% vs US avg
x
Vacancy Rate
26.6%+158% vs US avg
x
Broadband Access
74.7%-14% vs US avg
x
4+ Bedrooms
6.3%-57% vs US avg
x
Built Pre-1939
1.5%-88% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
10.6%-79% vs US avg
x
Mortgage-Free
50.4%+32% vs US avg
x
$252,200
Home Value
$555
Rent
1982
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached65.3%
  • 1-unit attached3.0%
  • 2-9 units15.5%
  • 10+ units8.3%
  • Mobile home & other7.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$252,200
Median rent$555
Owner-occupied69.2%
Vacant26.6%
Price-to-income5.0x
Est. income to buy$69,000