ZIP 28001

28001 is one of 9 ZIP codes that lie mostly in Stanly County, NC.

Shaded by typical home value, it ranks 7 of the 8 with a value.

9 school locations in 28001: 4 elementary, 1 middle, 2 high, 2 other.

In alphabetical order: Albemarle High, Albemarle Middle, Central Elementary, East Albemarle Elementary, and more on the ZIP page. Locations only — no ratings are shown here.

In February 2016 the typical home in 28001 was worth $113,323.

Values peaked at $264,908 in April 2026. The latest reading is −0.2% from that peak.

As of August 2026: $264,457, +1.5% over twelve months.

Start with the typical home: $264,457. Put 20% down and borrow $211,566 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,465 a month in principal and interest.

The median household here earns $55,610 a year, $4,634 a month. So the payment takes 31.6% 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 13.5% in 2016.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in February 2016 (3.66%) the payment was $415.

In December 2020, with rates at 2.68%, it was $555.

By August 2026, at 6.67%, it was $1,361 — +145% since December 2020, while the home's value moved +54%.

Reported values rose +133% since February 2016.

General prices (CPI-U) rose +41% over the same span.

Divide one by the other: in August 2026 dollars, the 2016 home was worth $159,541. So the real change is +66%, not +133%.

28001: +133% since February 2016.

Stanly County: +123% since February 2016.

North Carolina: +96% since February 2016 — 28001 ran ahead of it by 37 points.

Against 834 North Carolina ZIP codes, 28001 sits at the 34th percentile for affordability (price vs local income).

52nd for appreciation (recent value growth); 78th for rental yield (rent vs price).

Owning the typical home costs about $1,729 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,339 a month.

Price divided by a year's rent: 16.5. 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 48 a month (Redfin, 3-month rolling data through August 2026). That is 157% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 172.

Going out — closed sales: about 35 a month. That is 127% of the 2015–2019 level for the same months. The drain is drawn 31% narrower: the share of homes for sale that sell each month is 69% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 5.0 months of supply — inside the 4–6 month balanced range. In the basin, that is the water level against the shaded balanced band.

The net reading: about 13 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 35 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 26 — so sales ran at 135% of it, and below it in 0 of the last 24 months.

Across Stanly County, builders pulled permits for 336 new homes in 2025.

Of those, 100% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Stanly County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 1,177 moved in. Among the ten receiving the most, 748 moved out.

Net across those counties: +429 households. Beside it, homes for sale in this ZIP: 172 in June 2026.

Most arrivals came from Mecklenburg, NC (364 households); most departures went to Cabarrus, NC (186).