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East Flat Rock CDP, NC

ZIP 28790 — 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 28790

Median Home Value
$412,100
Median Rent
$993
Affordability Snapshot
$113,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,647/mo PITI).

12%
Rent-to-Income Ratio

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

4.2x
Home Price-to-Income Ratio

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

34.6 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 28790 in East Flat Rock CDP, NC, a household would need roughly $113,000 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 $2,647. That is about 15% above the local median household income ($98,115), 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 19% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
93.0%+42% vs US avg
x
Vacancy Rate
19.2%+87% vs US avg
x
Broadband Access
86.3%-1% vs US avg
x
4+ Bedrooms
5.3%-64% vs US avg
x
Built Pre-1939
1.1%-91% vs US avg
x
Built Post-2014
0.9%-87% vs US avg
x
Rent Burden >30%
10.2%-79% vs US avg
x
Mortgage-Free
37.2%-3% vs US avg
x
$412,100
Home Value
$993
Rent
1987
Year Built
2007
Moved In

Residents have lived here since ~2007 on average

Housing Structure

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

  • 1-unit detached87.8%
  • 1-unit attached0.0%
  • 2-9 units0.4%
  • 10+ units0.0%
  • Mobile home & other11.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$412,100
Median rent$993
Owner-occupied93.0%
Vacant19.2%
Price-to-income4.2x
Est. income to buy$113,000