How much is a home worth in ZIP code 28092?

The typical home in 28092 is worth $298,190, based on the Zillow Home Value Index.

Are home values rising in 28092?

Home values in 28092 are up 2.6% over the past year, and up 7.2% a year over five years.

What is the typical rent in 28092?

A typical home in 28092 rents for about $1,331 a month, a gross rental yield of 5.4%.

What is the property tax rate in 28092?

The effective property tax rate in 28092 is 0.7% — roughly $2,235 a year on a typical home.

ZIP code 28092 has a population of 40,350 and a median household income of $60,984.

HousingHandbookReference data

…

U.S. ZIP Code · NC28092

Lincoln County · Charlotte-Concord-Gastonia, NC-SC

Typical home value

$298,190^[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year: +2.6%
5-year / yr: +7.2%
10-year / yr: +8.5%

Relative price

vs U.S.: +5.0%
vs metro: -11.1%
vs state: +4.8%

Price history

Zillow Home Value Index — monthly, smoothed and seasonally adjusted.

The typical home in 28092 is worth $298,190 — 11.1% below the Charlotte-Concord-Gastonia, NC-SC median. Over the past year, values have risen 2.6%. Homes here rent for a typical $1,331 a month — a 5.4% gross rental yield. The effective property tax rate is 0.7%.

#Rent & investment

Typical asking rent, and the returns it implies at the current home value.

Monthly rent: $1,331^[2]
Gross yield: 5.4%^[2]
Cap rate: 3.2%^[2]

#Property tax

Effective rate — total real estate taxes paid relative to total home value.

Effective tax rate: 0.7%^[3]
Typical annual tax: $2,235^[3]

#Climate risk

FEMA National Risk Index ratings for Lincoln County. "Not Applicable" means the hazard does not threaten the county.

Overall risk: Relatively Low^[4]
Riverine flood: Relatively Moderate
Coastal flood: Not Applicable
Wildfire: Very Low
Drought: Relatively Low
Heat wave: Relatively Low
Hurricane: Relatively Low
Tornado: Relatively Moderate
Earthquake: Relatively Low
Winter weather: Relatively Low

#Who lives here

Population: 40,350^[3]
Median household income: $60,984^[3]

#Migration

Household moves in and out of Lincoln County over a year, from IRS tax-return data.

Net migration: +758^[5]
Moved in: 3,384
Moved out: 2,626

Schools

Open public schools in this ZIP, from the NCES Common Core of Data.

Public schools: 14
Elementary: 7
Middle: 2
High: 4

North Lincoln High
High · Grades 9–12 · Lincoln County Schools
1,139 students
Lincolnton High
High · Grades 9–12 · Lincoln County Schools
788 students
West Lincoln High
High · Grades 9–12 · Lincoln County Schools
733 students
Lincolnton Middle
Middle · Grades 6–8 · Lincoln County Schools
563 students
West Lincoln Middle
Middle · Grades 6–8 · Lincoln County Schools
546 students

Run the numbers

Interactive calculators pre-filled with this ZIP's typical home value, rent, and property-tax rate. Edit any field to recompute.

Home value$Monthly rent$

Gross yield5.4%

Net yield (after ~40% expenses)3.2%

Annual rent$15,968

Gross and net yield are estimates based on the inputs and the selected expense ratio. Actual income and expenses will vary by property and market. Not investment advice.

Home price$Down payment%Interest rate%Loan termyears

Monthly payment$1,508

Loan principal$238,552

Down payment$59,638

Total interest paid$304,259

Estimated monthly payments include principal and interest only. Actual costs will include property tax, insurance, possibly PMI, and HOA fees not modeled here. Loan terms shown are estimates; consult a licensed lender for current rates and qualification.

Home price$Monthly rent$Down payment%Mortgage rate%Property tax rate% / yrMaintenance% / yrRule of thumb: 1% of home value per year.

Own : rent ratio1.46

Monthly cost to own$1,943

Monthly rent$1,331

Renting is meaningfully cheaper month-to-month.

This calculator projects multi-year scenarios based on assumptions about appreciation, rent growth, and investment returns — none of which are guaranteed. Actual outcomes depend on variables this tool cannot know. Not financial or real estate advice.

#Metro ranking

Where this ZIP sits among others in its metro area.

Appreciation: 89th percentile^[1]
Rental yield: 46th percentile^[2]
Property tax: 86th percentile^[3]

Frequently asked

How much is a home worth in ZIP code 28092?: The typical home in 28092 is worth $298,190, based on the Zillow Home Value Index.
Are home values rising in 28092?: Home values in 28092 are up 2.6% over the past year, and up 7.2% a year over five years.
What is the typical rent in 28092?: A typical home in 28092 rents for about $1,331 a month, a gross rental yield of 5.4%.
What is the property tax rate in 28092?: The effective property tax rate in 28092 is 0.7% — roughly $2,235 a year on a typical home.
Who lives in 28092?: ZIP code 28092 has a population of 40,350 and a median household income of $60,984.

#Comparable ZIPs

Same metro, nearest typical home value. Each card shows the comparable ZIP's headline numbers so you can scan at a glance.

28081 vs 28092 →
Kannapolis, NC
Typical home
$298,307
Gross yield
6.6%
28033 vs 28092 →
Crouse CDP, NC
Typical home
$297,687
Gross yield
—
28147
Salisbury, NC
Typical home
$296,823
Gross yield
4.7%
28138
Rockwell, NC
Typical home
$296,809
Gross yield
—
29712
SC
Typical home
$300,206
Gross yield
—
28023
China Grove, NC
Typical home
$295,531
Gross yield
5.9%

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#Jump to section

U.S. ZIP Code · NC28092

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