HousingHandbookReference data

U.S. ZIP Code · NC28174

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

Typical home value

$315,891[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year
+1.4%
5-year / yr
+7.3%
10-year / yr
+8.8%

Relative price

vs U.S.
+11.2%
vs metro
-5.8%
vs state
+11.0%
ZIP 28174 location in NC
Location of ZIP 28174 in NC

Price history

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

The typical home in 28174 is worth $315,891 — 5.8% below the Charlotte-Concord-Gastonia, NC-SC median. Over the past year, values have risen 1.4%. The effective property tax rate is 0.6%.

#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
0.6%[3]
Typical annual tax
$1,867[3]

#Climate risk

FEMA National Risk Index ratings for Union 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 Moderate
Heat wave
Relatively Low
Hurricane
Relatively Low
Tornado
Relatively High
Earthquake
Relatively Low
Winter weather
Relatively Moderate

#Who lives here

Population
9,573[3]
Median household income
$71,136[3]

#Migration

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

Net migration
+1,342[5]
Moved in
7,806
Moved out
6,464

Schools

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

Public schools
2
Elementary
2
Middle
0
High
0
  • Wingate Elementary

    Elementary · Grades PK–5 · Union County Public Schools

    382 students

  • Union Elementary

    Elementary · Grades K–5 · Union County Public Schools

    279 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$1,597
Loan principal$252,713
Down payment$63,178
Total interest paid$322,321

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$2,016
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
90th percentile[1]
Rental yield
[2]
Property tax
34th percentile[3]

Frequently asked

How much is a home worth in ZIP code 28174?
The typical home in 28174 is worth $315,891, based on the Zillow Home Value Index.
Are home values rising in 28174?
Home values in 28174 are up 1.4% over the past year, and up 7.3% a year over five years.
What is the property tax rate in 28174?
The effective property tax rate in 28174 is 0.6% — roughly $1,867 a year on a typical home.
Who lives in 28174?
ZIP code 28174 has a population of 9,573 and a median household income of $71,136.

#Comparable ZIPs

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

  • Charlotte, NC

    Typical home
    $322,216
    Gross yield
    6.9%
  • Cleveland, NC

    Typical home
    $309,463
    Gross yield
  • Statesville, NC

    Typical home
    $309,331
    Gross yield
    7.5%
  • Charlotte, NC

    Typical home
    $323,613
    Gross yield
    5.1%
  • Catawba CDP, SC

    Typical home
    $324,930
    Gross yield
  • Cramerton, NC

    Typical home
    $306,567
    Gross yield

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