Median home value in zip code 28638 (Sawmills, NC) is $245,386, down 1.2% year over year. Part of the Hickory-Lenoir-Morganton, NC metropolitan area.

Home Value$245,386

YoY Change

-1.2%

Prices falling — better for buyers.

Affordability

Enter your income for 28638 (Sawmills).

Income (annual)

Down Payment

$49,077 on $245,386

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

Affordable25% of income

Under the 28% guideline.

PITI$1,563

P/I25%

Afford$275K

Room+$29K

P&I $1,241Tax $172Ins $150

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

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

Metro Analysis

28638 is part of the Hickory-Lenoir-Morganton, NC metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

View Hickory-Lenoir-Morganton, NC analysis

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