Charlotte-Concord-Gastonia, NC-SC · North Carolina
Union County
ZIP 28173
244,975 residents2,487 permits TTM$99,243 median HHI8 ZIP codesUpdated April 16, 2026
Investor first look
Median home value
$374,400
ACS 5-Year
Cap rate proxy
5.4%
FMR × 0.65 ÷ Home Value
Rent-to-income
16.8%
HUD FMR ÷ ACS HHI
Net migration
+2.19%
IRS SOI
Permits (TTM)
2,487
Census BPS
Climate risk
89.1
FEMA NRI (0–100)
ZIP 28173
Median home value
$374,400
Gross yield
6.4%
Buy Box score
0.2
Section 8 gap
43.2%
Affordability
P/I: 6.9R/I: 28.1%
Section 8 detail
SAFMR: $1,990Rent: $1,390Gap: 43.2%
ZIP code breakdown8 ZIP codes
| ZIP | Median home value | Rent (FMR 2BR) | Gross yield | Buy Box score ↓ | Section 8 gap |
|---|---|---|---|---|---|
| 28079 | $374,400 | $2,220 | 7.1% | 0.8 | 59.7% |
| 28110 | $374,400 | $1,550 | 5.0% | 0.7 | 11.5% |
| 28174 | $374,400 | $1,250 | 4.0% | 0.6 | -10.1% |
| 28112 | $374,400 | $1,280 | 4.1% | 0.5 | -7.9% |
| 28103 | $374,400 | $1,200 | 3.8% | 0.5 | -13.7% |
| 28104 | $374,400 | $2,040 | 6.5% | 0.4 | 46.8% |
| 28173 | $374,400 | $1,990 | 6.4% | 0.2 | 43.2% |
| 28108 | $374,400 | $1,860 | 6.0% | — | 33.8% |
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Demographics
Owner-occupied
81.8%
Census ACS
Vacancy rate
5.2%
Census ACS
Bachelor's degree +
39.0%
Census ACS
Rent burdened
39.4%
Census ACS (>30% income)
Median age
39.1
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