Charlotte-Concord-Gastonia, NC-SC · North Carolina
Rowan County
148,487 residents858 permits TTM$63,196 median HHI14 ZIP codesUpdated April 16, 2026
Investor first look
Median home value
$216,100
ACS 5-Year
Cap rate proxy
9.4%
FMR × 0.65 ÷ Home Value
Rent-to-income
18.8%
HUD FMR ÷ ACS HHI
Net migration
+1.95%
IRS SOI
Permits (TTM)
858
Census BPS
Climate risk
82.9
FEMA NRI (0–100)
ZIP code breakdown14 ZIP codes
| ZIP | Median home value | Rent (FMR 2BR) | Gross yield | Cap rate | Rent gap |
|---|---|---|---|---|---|
| 28159 | — | — | — | 5.9% | 41.3% |
| 28039 | — | — | — | 5.5% | 41.3% |
| 28041 | — | — | — | 5.5% | 41.3% |
| 28072 | — | — | — | 5.5% | 41.3% |
| 28144 | — | — | — | 7.9% | 10.3% |
Ranked by composite score
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Demographics
Owner-occupied
71.2%
Census ACS
Vacancy rate
10.1%
Census ACS
Bachelor's degree +
21.5%
Census ACS
Rent burdened
41.4%
Census ACS (>30% income)
Median age
40.5
Census ACS
U.S. Census Bureau — American Community Survey 5-Year Estimates
U.S. Census Bureau — Building Permits Survey
U.S. Department of Housing and Urban Development — Fair Market Rents / Small Area Fair Market Rents (SAFMR)
Internal Revenue Service — Statistics of Income Migration Data
FEMA — National Risk Index
Last updated: April 16, 2026