ZIP 28079 vs ZIP 28110

28079 is one of 8 ZIP codes that lie mostly in Union County, NC.

Shaded by typical home value, it ranks 3 of the 7 with a value.

8 school locations in 28079: 4 elementary, 2 middle, 2 high.

In alphabetical order: Hemby Bridge Elementary, Indian Trail Elementary, Poplin Elementary, Porter Ridge Elementary, and more on the ZIP page. Locations only — no ratings are shown here.

28110 is one of 8 ZIP codes that lie mostly in Union County, NC.

Shaded by typical home value, it ranks 4 of the 7 with a value.

15 school locations in 28110: 8 elementary, 2 middle, 4 high, 1 other.

In alphabetical order: Apprentice Academy High School, Benton Heights Elementary, Fairview Elementary, Monroe Charter Academy, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2002 the typical home in 28079 was worth $178,693.

Values peaked at $448,661 in June 2024. The latest reading is −3.7% from that peak.

As of August 2026: $431,889, −2.1% over twelve months.

Start with the typical home: $431,889. Put 20% down and borrow $345,511 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,392 a month in principal and interest.

The median household here earns $97,602 a year, $8,134 a month. So the payment takes 29.4% 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 12.2% in 2002.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in January 2002 (7.00%) the payment was $951.

In December 2020, with rates at 2.68%, it was $980.

By August 2026, at 6.67%, it was $2,222 — +127% since December 2020, while the home's value moved +43%.

Reported values rose +142% since January 2002.

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

Divide one by the other: in August 2026 dollars, the 2002 home was worth $335,998. So the real change is +29%, not +142%.

28079: +142% since January 2002.

Union County: +144% since January 2002.

North Carolina: +139% since January 2002 — 28079 ran ahead of it by 3 points.

Against 834 North Carolina ZIP codes, 28079 sits at the 46th percentile for affordability (price vs local income).

8th for appreciation (recent value growth); 62nd for rental yield (rent vs price).

Owning the typical home costs about $2,824 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,066 a month.

Price divided by a year's rent: 17.4. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2002 the typical home in 28110 was worth $147,199.

Values peaked at $376,583 in June 2024. The latest reading is −1.2% from that peak.

As of August 2026: $372,244, −0.4% over twelve months.

Start with the typical home: $372,244. Put 20% down and borrow $297,795 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,062 a month in principal and interest.

The median household here earns $81,221 a year, $6,768 a month. So the payment takes 30.5% 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 12.0% in 2002.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in January 2002 (7.00%) the payment was $783.

In December 2020, with rates at 2.68%, it was $847.

By August 2026, at 6.67%, it was $1,915 — +126% since December 2020, while the home's value moved +42%.

Reported values rose +153% since January 2002.

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

Divide one by the other: in August 2026 dollars, the 2002 home was worth $276,780. So the real change is +34%, not +153%.

28110: +153% since January 2002.

Union County: +144% since January 2002.

North Carolina: +139% since January 2002 — 28110 ran ahead of it by 14 points.

Against 834 North Carolina ZIP codes, 28110 sits at the 42nd percentile for affordability (price vs local income).

21st for appreciation (recent value growth); 74th for rental yield (rent vs price).

Owning the typical home costs about $2,434 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,997 a month.

Price divided by a year's rent: 15.5. 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 89 a month (Redfin, 3-month rolling data through August 2026). That is 95% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 243. That is 122% of the 2015–2019 level for the same months.

Going out — closed sales: about 76 a month. That is 88% of the 2015–2019 level for the same months. The drain is drawn 25% narrower: the share of homes for sale that sell each month is 75% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 3.2 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 13 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 76 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 75 — so sales ran at 101% of it, and below it in 17 of the last 24 months.

Across Union County, builders pulled permits for 2,707 new homes in 2025.

Of those, 88% 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 80 a month (Redfin, 3-month rolling data through August 2026). That is 96% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 269. That is 131% of the 2015–2019 level for the same months.

Going out — closed sales: about 70 a month. That is 92% of the 2015–2019 level for the same months. The drain is drawn 26% narrower: the share of homes for sale that sell each month is 74% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 3.9 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 10 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 70 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 67 — so sales ran at 104% of it, and below it in 12 of the last 24 months.

Across Union County, builders pulled permits for 2,707 new homes in 2025.

Of those, 88% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Union County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 4,105 moved in. Among the ten receiving the most, 3,452 moved out.

Net across those counties: +653 households. Beside it, homes for sale in this ZIP: 243 in June 2026.

Most arrivals came from Mecklenburg, NC (3,006 households); most departures went to Mecklenburg, NC (1,984).

This ZIP sits in Union County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 4,105 moved in. Among the ten receiving the most, 3,452 moved out.

Net across those counties: +653 households. Beside it, homes for sale in this ZIP: 269 in June 2026.

Most arrivals came from Mecklenburg, NC (3,006 households); most departures went to Mecklenburg, NC (1,984).