ZIP 28075 vs ZIP 28107

28075 is one of 7 ZIP codes that lie mostly in Cabarrus County, NC.

Shaded by typical home value, it ranks 1 of the 7 with a value.

5 school locations in 28075: 2 elementary, 2 middle, 1 high.

In alphabetical order: A.C.E. Academy, Harrisburg Elementary, Hickory Ridge Elementary, Hickory Ridge High, and more on the ZIP page. Locations only — no ratings are shown here.

28107 is one of 7 ZIP codes that lie mostly in Cabarrus County, NC — 92% of its own area is in the county.

Shaded by typical home value, it ranks 2 of the 7 with a value.

1 school location in 28107: 1 elementary.

In alphabetical order: Bethel Elementary. Locations only — no ratings are shown here.

In January 2000 the typical home in 28075 was worth $201,046.

Values peaked at $517,494 in November 2024. The latest reading is −2.4% from that peak.

As of August 2026: $505,071, −0.4% over twelve months.

Start with the typical home: $505,071. Put 20% down and borrow $404,057 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,798 a month in principal and interest.

The median household here earns $140,739 a year, $11,728 a month. So the payment takes 23.9% of income — rated “affordable” (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 9.5% in 2000.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in January 2000 (8.21%) the payment was $1,204.

In December 2020, with rates at 2.68%, it was $1,126.

By August 2026, at 6.67%, it was $2,598 — +131% since December 2020, while the home's value moved +45%.

Reported values rose +151% since January 2000.

General prices (CPI-U) rose +97% over the same span.

Divide one by the other: in August 2026 dollars, the 2000 home was worth $396,785. So the real change is +27%, not +151%.

28075: +151% since January 2000.

Cabarrus County: +161% since January 2000.

North Carolina: +156% since January 2000 — 28075 ran behind it by 5 points.

Against 834 North Carolina ZIP codes, 28075 sits at the 77th percentile for affordability (price vs local income).

26th for appreciation (recent value growth); 62nd for rental yield (rent vs price).

Owning the typical home costs about $3,303 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,502 a month.

Price divided by a year's rent: 16.8. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 28107 was worth $147,998.

Values peaked at $431,769 in April 2026. The latest reading is −0.1% from that peak.

As of August 2026: $431,446, +1.7% over twelve months.

Start with the typical home: $431,446. Put 20% down and borrow $345,157 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,390 a month in principal and interest.

The median household here earns $96,632 a year, $8,053 a month. So the payment takes 29.7% 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 10.2% in 2000.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in January 2000 (8.21%) the payment was $886.

In December 2020, with rates at 2.68%, it was $962.

By August 2026, at 6.67%, it was $2,220 — +131% since December 2020, while the home's value moved +45%.

Reported values rose +192% since January 2000.

General prices (CPI-U) rose +97% over the same span.

Divide one by the other: in August 2026 dollars, the 2000 home was worth $292,089. So the real change is +48%, not +192%.

28107: +192% since January 2000.

Cabarrus County: +161% since January 2000.

North Carolina: +156% since January 2000 — 28107 ran ahead of it by 35 points.

Against 834 North Carolina ZIP codes, 28107 sits at the 46th percentile for affordability (price vs local income).

50th for appreciation (recent value growth); 62nd for rental yield (rent vs price).

Owning the typical home costs about $2,821 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,232 a month.

Price divided by a year's rent: 16.1. 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 26 a month (Redfin, 3-month rolling data through August 2026). That is 60% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 98.

Going out — closed sales: about 35 a month. That is 85% of the 2015–2019 level for the same months.

The ladder: homes for sale ÷ monthly sales = 2.8 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 9 more homes sold than came on each month, so inventory is shrinking. The basin is draining.

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

The 2015–2019 level for the same month was 32 — so sales ran at 109% of it, and below it in 13 of the last 24 months.

Across Cabarrus County, builders pulled permits for 1,991 new homes in 2025.

Of those, 68% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

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 12 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 45.

Going out — closed sales: about 12 a month.

The ladder: homes for sale ÷ monthly sales = 3.8 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: listings and sales were even.

Homes sold: about 12 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 11 — so sales ran at 109% of it, and below it in 6 of the last 24 months.

Across Cabarrus County, builders pulled permits for 1,991 new homes in 2025.

Of those, 68% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Cabarrus County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 5,041 moved in. Among the ten receiving the most, 4,657 moved out.

Net across those counties: +384 households. Beside it, homes for sale in this ZIP: 98 in June 2026.

Most arrivals came from Mecklenburg, NC (3,143 households); most departures went to Mecklenburg, NC (2,155).

This ZIP sits in Cabarrus County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 5,041 moved in. Among the ten receiving the most, 4,657 moved out.

Net across those counties: +384 households. Beside it, homes for sale in this ZIP: 45 in June 2026.

Most arrivals came from Mecklenburg, NC (3,143 households); most departures went to Mecklenburg, NC (2,155).