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Barnardsville CDP, NC

ZIP 28709 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 28709

Median Home Value
$360,000
Median Rent
$1,500
Affordability Snapshot
$99,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,313/mo PITI).

24%
Rent-to-Income Ratio

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

4.8x
Home Price-to-Income Ratio

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

20.0 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 28709 in Barnardsville CDP, NC, a household would need roughly $99,000 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 $2,313. That is about 31% above the local median household income ($75,441), 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 30% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
73.8%+13% vs US avg
x
Vacancy Rate
30.0%+192% vs US avg
x
Broadband Access
74.4%-15% vs US avg
x
4+ Bedrooms
1.6%-89% vs US avg
x
Built Pre-1939
8.5%-33% vs US avg
x
Built Post-2014
1.8%-75% vs US avg
x
Rent Burden >30%
0.0%
x
Mortgage-Free
66.4%+74% vs US avg
x
$360,000
Home Value
$1,500
Rent
1983
Year Built
2009
Moved In

Residents have lived here since ~2009 on average

Housing Structure

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

  • 1-unit detached72.7%
  • 1-unit attached0.0%
  • 2-9 units0.7%
  • 10+ units0.0%
  • Mobile home & other26.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$360,000
Median rent$1,500
Owner-occupied73.8%
Vacant30.0%
Price-to-income4.8x
Est. income to buy$99,000