Median home value in zip code 28071 (Gold Hill, NC) is $320,886, up 1.3% year over year. Part of the Charlotte-Concord-Gastonia, NC-SC metropolitan area.

Home Value$320,886

YoY Change

+1.3%

Prices rising — worse for buyers.

Affordability

Enter your income for 28071 (Gold Hill).

Income (annual)

Down Payment

$64,177 on $320,886

Example: $75,000 household income. Change it above to see your own.

Stretch32.8% of income

Above 28% but manageable with cuts.

PITI$2,053

P/I32.8%

Afford$274K

Gap-$47K

P&I $1,623Tax $281Ins $150

6.50% 30yr, 20% down, county tax + NC ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Metro Analysis

28071 is part of the Charlotte-Concord-Gastonia, NC-SC metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

View Charlotte-Concord-Gastonia, NC-SC analysis

Want deeper metro-level analysis?Stress scores, crash risk, 12-month forecasts, and early warning signals for 195 US metros.

Try Free

Weekly briefing

Every Monday — score changes, top movers, and what shifted. Free.