Median home value in zip code 28092 (Lincolnton, NC) is $291,806, up 2.1% year over year. Part of the Charlotte-Concord-Gastonia, NC-SC metropolitan area.

Home Value$291,806

YoY Change

+2.1%

Prices rising — worse for buyers.

Affordability

Enter your income for 28092 (Lincolnton).

Income (annual)

Down Payment

$58,361 on $291,806

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

Stretch30.1% of income

Above 28% but manageable with cuts.

PITI$1,881

P/I30.1%

Afford$271K

Gap-$20K

P&I $1,476Tax $255Ins $150

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

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

Metro Analysis

28092 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

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