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Bakersville town, NC

ZIP 28705 — 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 28705

Median Home Value
$202,200
Median Rent
$667
Affordability Snapshot
$56,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,299/mo PITI).

15%
Rent-to-Income Ratio

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

3.7x
Home Price-to-Income Ratio

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

25.3 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 28705 in Bakersville town, NC, a household would need roughly $56,000 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 $1,299. That is roughly in line with the local median household income ($54,350). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 30% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
80.1%+22% vs US avg
x
Vacancy Rate
29.9%+190% vs US avg
x
Broadband Access
83.3%-4% vs US avg
x
4+ Bedrooms
1.9%-87% vs US avg
x
Built Pre-1939
10.0%-22% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
17.0%-66% vs US avg
x
Mortgage-Free
60.3%+58% vs US avg
x
$202,200
Home Value
$667
Rent
1977
Year Built
2002
Moved In

Residents have lived here since ~2002 on average

Housing Structure

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

  • 1-unit detached80.1%
  • 1-unit attached0.1%
  • 2-9 units2.6%
  • 10+ units2.9%
  • Mobile home & other14.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$202,200
Median rent$667
Owner-occupied80.1%
Vacant29.9%
Price-to-income3.7x
Est. income to buy$56,000