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Lenoir city, NC

ZIP 28645 — 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 28645

Median Home Value
$157,800
Median Rent
$543
Affordability Snapshot
$43,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,014/mo PITI).

13%
Rent-to-Income Ratio

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

3.1x
Home Price-to-Income Ratio

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

24.2 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 28645 in Lenoir city, NC, a household would need roughly $43,000 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 $1,014. That sits below the local median household income ($50,529), 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 11% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
71.7%+10% vs US avg
x
Vacancy Rate
11.4%+11% vs US avg
x
Broadband Access
83.6%-4% vs US avg
x
4+ Bedrooms
2.0%-86% vs US avg
x
Built Pre-1939
4.6%-64% vs US avg
x
Built Post-2014
0.6%-91% vs US avg
x
Rent Burden >30%
11.4%-77% vs US avg
x
Mortgage-Free
52.3%+37% vs US avg
x
$157,800
Home Value
$543
Rent
1977
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached70.3%
  • 1-unit attached1.1%
  • 2-9 units9.0%
  • 10+ units3.4%
  • Mobile home & other16.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$157,800
Median rent$543
Owner-occupied71.7%
Vacant11.4%
Price-to-income3.1x
Est. income to buy$43,000