HousingHandbookReference data

U.S. ZIP Code · NC28101

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

Typical home value

$486,996[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year
+3.7%
5-year / yr
+7.5%
10-year / yr
+6.8%

Relative price

vs U.S.
+71.4%
vs metro
+45.3%
vs state
+71.1%
ZIP 28101 location in NC
Location of ZIP 28101 in NC

Price history

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

The typical home in 28101 is worth $486,996 — 45.3% above the Charlotte-Concord-Gastonia, NC-SC median. Over the past year, values have risen 3.7%. The effective property tax rate is 0.9%.

#Rent & investment

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

Monthly rent
[2]
Gross yield
[2]
Cap rate
[2]

#Property tax

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

Effective tax rate
0.9%[3]
Typical annual tax
$4,202[3]

#Climate risk

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

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

#Who lives here

Population
898[3]
Median household income
$111,042[3]

#Migration

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

Net migration
+1,241[5]
Moved in
7,614
Moved out
6,373

Schools

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

Public schools
1
Elementary
1
Middle
0
High
0
  • McAdenville Elementary

    Elementary · Grades K–5 · Gaston County Schools

    174 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.

Gross yield
Net yield (after ~40% expenses)
Annual rent

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.

Monthly payment$2,463
Loan principal$389,597
Down payment$97,399
Total interest paid$496,910

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.

Own : rent ratio
Monthly cost to own$3,217
Monthly rent

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
96th percentile[1]
Rental yield
[2]
Property tax
96th percentile[3]

Frequently asked

How much is a home worth in ZIP code 28101?
The typical home in 28101 is worth $486,996, based on the Zillow Home Value Index.
Are home values rising in 28101?
Home values in 28101 are up 3.7% over the past year, and up 7.5% a year over five years.
What is the property tax rate in 28101?
The effective property tax rate in 28101 is 0.9% — roughly $4,202 a year on a typical home.
Who lives in 28101?
ZIP code 28101 has a population of 898 and a median household income of $111,042.

#Comparable ZIPs

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

  • Fort Mill, SC

    Typical home
    $489,040
    Gross yield
    4.1%
  • Matthews, NC

    Typical home
    $493,840
    Gross yield
    4.1%
  • Charlotte, NC

    Typical home
    $502,296
    Gross yield
    4.5%
  • Harrisburg, NC

    Typical home
    $506,753
    Gross yield
    5.8%
  • Charlotte, NC

    Typical home
    $464,893
    Gross yield
    4.7%
  • NC

    Typical home
    $450,071
    Gross yield

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