Median home value in zip code 28097 (, NC) is $380,922, up 0.5% year over year. Part of the Albemarle, NC metropolitan area.

Home Value$380,922

YoY Change

+0.5%

Prices rising — worse for buyers.

Affordability

Enter your income for 28097 (null).

Income (annual)

Down Payment

$76,184 on $380,922

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

Out of reach37.5% of income

Need $100,414/yr to afford.

PITI$2,343

P/I37.5%

Afford$285K

Gap-$96K

P&I $1,926Tax $267Ins $150

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

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

Metro Analysis

28097 is part of the Albemarle, NC metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

View Albemarle, NC analysis

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