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Lake Junaluska CDP, NC

ZIP 28785 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 28785

Median Home Value
$282,000
Median Rent
$730
Affordability Snapshot
$78,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,811/mo PITI).

14%
Rent-to-Income Ratio

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

4.4x
Home Price-to-Income Ratio

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

32.2 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 28785 in Lake Junaluska CDP, NC, a household would need roughly $78,000 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 $1,811. That is about 22% above the local median household income ($63,750), 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 28% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
83.3%+27% vs US avg
x
Vacancy Rate
27.8%+170% vs US avg
x
Broadband Access
85.3%-2% vs US avg
x
4+ Bedrooms
3.1%-79% vs US avg
x
Built Pre-1939
1.7%-87% vs US avg
x
Built Post-2014
0.9%-87% vs US avg
x
Rent Burden >30%
11.5%-77% vs US avg
x
Mortgage-Free
50.8%+33% vs US avg
x
$282,000
Home Value
$730
Rent
1992
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached75.1%
  • 1-unit attached1.8%
  • 2-9 units2.6%
  • 10+ units0.0%
  • Mobile home & other20.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$282,000
Median rent$730
Owner-occupied83.3%
Vacant27.8%
Price-to-income4.4x
Est. income to buy$78,000