Lenoir 28645

Hickory-Lenoir-Morganton, NC · Caldwell County, NC · 205 properties · updated 7/5/2026

Should you buy here?buyer-timing lens

56affordability /100

Buyer leverage is balanced; weigh payment burden and the 3-lens valuation before bidding.

Payment burden
26.8%
affordable
Days on market
83
daily
Price cuts
20.7%
of active
Valuation
+72.3%
vs assessor
Look up an address
60
/100
stable
warming · balanced · prices rising year-over-year.

Verdict grades housing conditions; buyer-timing, investor cash-flow, supply-tightness and county macro scores answer different questions — each in its own section.

Buyer / sellerbuyer-timing lens

74/ 100SellerBalancedBuyer
Negotiate Hard
DOM: 101d (rising) · Market Dynamics rolling median · hourly
Score Components
Payment Burden (25%)25
Valuation Gap (25%)100
Supply & Demand (20%)100
Buy vs Rent (15%)50
Cancellation Rate (10%)100
Days on Market (5%)100

Moderate buyer leverage in 28645. Room to negotiate 5-10% below list. Payment burden: 26.8% of median income. Median days on market: 101. Renting is approximately 26% cheaper than buying (price-to-rent ratio: 15.1). Market appears 33% overpriced vs. assessed values.

What to Offer

Offer 5-10% below list. You have room to negotiate.

Conditions resemble 2019 pre-pandemic levels — moderate overvaluation with slowing demand. Negotiation room exists.
WARMINGBALANCED

Market is warming with rising prices. Conditions are balanced between buyers and sellers.

Address lookup$99 report path

Look Up an Address in 28645

Just type the street — we'll auto-scope the search to ZIP 28645.

Actions
Export, share, or compare this ZIP
Compare
Get alerts when this market changes

Market snapshoteach number, once

Median price
$223,373
▴ 1.6% YoY
Days on market
83
daily · zip_data
Median rent
$1,235
ZORI
Investor score
72/100
cash-flow lens
Active listings
190
90-day

Valuation3 lenses, different anchors

vs assessor
+72.3%
Market vs assessed value — a tax-roll lag, not a deal signal.
Avg assessor$384,880
county CAMA · properties_v
vs income
Fair-value model not available for this market.
fair_value_scores · 10-state coverage
vs county comps
+37.0%
County-wide market — the widest, slowest signal.
Burke+37.0%
Mecklenburg+79.8%
Lotvox comps · mv_valuation_gap

Read together: Above county comps but sustainable on local incomes.
Pricing detail
Price / sqft$161
Price-to-income4.4×

Unlock Vacancy Data

Available with Lotvox Pro — $29/mo.

Start free trial
How 28645 ranks in NC
percentile vs all NC ZIPs
Comparative ranking not available for this ZIP.

Affordability, supply & momentum

20SUPPLY
OversuppliedSupply Tightness

Ample inventory — buyers have time and leverage to negotiate.

Months of Supply21.7 mo
Days on Market83d
Inv vs History+12.6%
Listing Density10.2/1k
Market dynamics
Price cut %20.7%
Momentumwarming
LeverageBALANCED
Months of supply21.7
Sales (90d)0
Investment analysis
Median rent$1,235
Price-to-rent15.1
Est. cap rate4.3%
Buy vs rentneutral

Livability

Walk score3
Transit score
Bike score

Unlock Historical Trends

Available with Lotvox Pro — $29/mo.

Start free trial

Caldwell County contextmacro · jobs · debt · migration

ZIP score grades housing; county score adds macro distress (jobs, debt, poverty). They answer different questions.

Unlock County Economic Data

Available with Lotvox Pro — $29/mo.

Start free trial

Nearby ZIP codes