ZIP 28012

28012 is one of 14 ZIP codes that lie mostly in Gaston County, NC.

Shaded by typical home value, it ranks 2 of the 13 with a value.

8 school locations in 28012: 4 elementary, 1 middle, 2 high, 1 other.

In alphabetical order: Belmont Central Elementary, Belmont Middle, Catawba Heights Elementary, Dogwood Classical Academy, and more on the ZIP page. Locations only — no ratings are shown here.

In October 2001 the typical home in 28012 was worth $163,984.

Values peaked at $420,181 in November 2025. The latest reading is −0.5% from that peak.

As of August 2026: $417,888, +0.2% over twelve months.

Start with the typical home: $417,888. Put 20% down and borrow $334,310 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,315 a month in principal and interest.

The median household here earns $81,057 a year, $6,755 a month. So the payment takes 34.3% of income — rated “stretched” (Lotvox ZIP bands: under 28% affordable · 28–36% stretched · 36%+ severe).

The line holds today's rate fixed and moves only the price: at that rate, the same share was 13.4% in 2001.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in October 2001 (6.62%) the payment was $839.

In December 2020, with rates at 2.68%, it was $929.

By August 2026, at 6.67%, it was $2,150 — +132% since December 2020, while the home's value moved +46%.

Reported values rose +155% since October 2001.

General prices (CPI-U) rose +88% over the same span.

Divide one by the other: in August 2026 dollars, the 2001 home was worth $308,514. So the real change is +35%, not +155%.

28012: +155% since October 2001.

Gaston County: +152% since October 2001.

North Carolina: +140% since October 2001 — 28012 ran ahead of it by 15 points.

Against 834 North Carolina ZIP codes, 28012 sits at the 25th percentile for affordability (price vs local income).

26th for appreciation (recent value growth); 57th for rental yield (rent vs price).

Owning the typical home costs about $2,733 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,897 a month.

Price divided by a year's rent: 18.4. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

Picture the Listings Flow Ladder as a basin: new listings pour in from the faucet, the homes for sale are the water, and closed sales run out the drain. Coming in — new listings: about 70 a month (Redfin, 3-month rolling data through August 2026). That is 127% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 211. That is 124% of the 2015–2019 level for the same months.

Going out — closed sales: about 67 a month. That is 142% of the 2015–2019 level for the same months.

The ladder: homes for sale ÷ monthly sales = 3.1 months of supply — below the 4–6 month range Lotvox treats as balanced. In the basin, that is the water level against the shaded balanced band.

The net reading: about 3 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 67 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 37 — so sales ran at 181% of it, and below it in 3 of the last 24 months.

Across Gaston County, builders pulled permits for 2,343 new homes in 2025.

Of those, 92% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Gaston County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 4,421 moved in. Among the ten receiving the most, 3,619 moved out.

Net across those counties: +802 households. Beside it, homes for sale in this ZIP: 211 in June 2026.

Most arrivals came from Mecklenburg, NC (2,578 households); most departures went to Mecklenburg, NC (1,391).