Median home value in zip code 28690 (Valdese, NC) is $239,217, up 1.1% year over year. Part of the Hickory-Lenoir-Morganton, NC metropolitan area.

Home Value$239,217

YoY Change

+1.1%

Prices rising — worse for buyers.

Affordability

Enter your income for 28690 (Valdese).

Income (annual)

Down Payment

$47,843 on $239,217

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

Affordable24.4% of income

Under the 28% guideline.

PITI$1,527

P/I24.4%

Afford$274K

Room+$35K

P&I $1,210Tax $167Ins $150

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

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

Metro Analysis

28690 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

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.