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, NC

ZIP 28685 — 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 28685

Median Home Value
$134,300
Median Rent
$486
Affordability Snapshot
$37,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$863/mo PITI).

13%
Rent-to-Income Ratio

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

3.0x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

23.0 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 28685 in NC, a household would need roughly $37,000 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 $863. That sits below the local median household income ($45,029), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
82.8%+27% vs US avg
x
Vacancy Rate
8.7%-16% vs US avg
x
Broadband Access
76.0%-13% vs US avg
x
4+ Bedrooms
5.8%-61% vs US avg
x
Built Pre-1939
3.6%-71% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
6.8%-86% vs US avg
x
Mortgage-Free
74.6%+95% vs US avg
x
$134,300
Home Value
$486
Rent
1982
Year Built
2005
Moved In

Residents have lived here since ~2005 on average

Housing Structure

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

  • 1-unit detached67.6%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other32.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$134,300
Median rent$486
Owner-occupied82.8%
Vacant8.7%
Price-to-income3.0x
Est. income to buy$37,000