Lincolnton, NC 28092 - Home Prices, Rental Trends, Listings & Demographics | Prop:Metrics

Lincolnton, NC—28092

Real Estate Data & Market Trends

Key Metrics at a Glance

Median Home Value

$289,000

1.6% YoY Growth

Household Income

$62,600

30.5% YoY Growth

Days on Market

6.0% Longer YoY

Home Price Forecast

1.9%

Median Rent

$1,520

20.6% YoY Growth

1-Bed Rent

$1,000

0.2% YoY Growth

2-Bed Rent

$1,350

15.7% YoY Growth

3-Bed Rent

$1,960

16.2% YoY Growth

Home Price Trends — Lincolnton, NC

As of Dec '25, the median home price in Lincolnton, NC is $289,000, with a year-over-year change of 1.6%. This indicates that home prices in Lincolnton, NC are increasing. According to Zillow, the 1-year price projection is 1.9%, suggesting an increase housing market in the next year.

Cost per Home Type

Home Type	Median Home Value	YoY % Change
All Homes	$289,000	1.6%
Single Family	$289,000	1.8%
Condos	N/A	N/A

Cost per Home Size

Home Size	Median Home Value	YoY % Change
1 Bed

Rental Trends — Lincolnton, NC

As of July '25, Rentcast reports the average rent in Lincolnton, NC is $1,640, with a year-over-year rent change of 20.6%. Per bedroom, the median rent as of July '25 in Lincolnton, NC is studios: $1,300, 1-bedrooms: $915, 2-bedrooms: $1,330, 3-bedrooms: $1,940, 4-bedrooms: $2,250. The most common rental property sizes in Lincolnton, NC are 2-bedroom and 3-bedroom, accounting for 50.4% and 29.2% of the rental stock.

Type	Median Rent	Average Rent
Average Rent	$1,520	$1,640
Studio Rent	$1,100	$1,300
1 Bed Rent	$1,000	$915
2 Bed Rent	$1,350	$1,330
3 Bed Rent	$1,960	$1,940
4 Bed Rent	$2,200	$2,250

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% of Rental Stock

Studio

2.6%

1 Bedroom

12.7%

2 Bedrooms

50.4%

3 Bedrooms

29.2%

4 Bedrooms

3.5%

5+ Bedrooms

1.6%

Property Listings — Lincolnton, NC

As of Dec '25, Realtor.com reports that the median days on market for a home in Lincolnton, NC is 65. This is a increase of 8.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 37.0%, representing a large inventory and a lot of supply pressure on home prices.

Metric	Zip Code Average	Year over Year % Change
Median Listing Price	$362,000	-3.0%
Listing Count	163	3.0%
Listings as % of Homes	0.7%	3.0%
Days on Market	71	6.0%

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Demographics — Lincolnton, NC

As of the latest ACS Survey released in 2023, Lincolnton, NC has a population of 40,200, which has increased by 1.3% over the past 5 years. Lincolnton, NC is a moderately popular place for families, as children make up 20.7% of the population. The area has a poorly educated workforce, with 19.7% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 7.0% reporting working from home.

Metric	Latest Census	YoY % Change
Population	40,200	1.3%
% Under 18	20.7%	-1.4%
% Seniors	18.6%	7.5%
% WFH	7.0%	150.0%
% w/ College Degree	19.7%	24.7%

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As of the latest ACS Survey released in 2023, Lincolnton, NC is a predominantly white area, with 75.7% of the population identifying as white. The white population has shrunk by 2.9% in the last 5 years. The second most common race or ethnicity in Lincolnton, NC is hispanic, making up 10.7% of the population. Foreign-born residents account for 6.2% of the population in Lincolnton, NC, and this percentage has decreased by 7.5% as of the ACS Survey 5 years prior, suggesting fewer immigrants are calling the area home.

Race and Ethnicity

Metric	Latest Census	5-Year % Change
% White	75.7%	-2.9%
% Black	9.4%	20.5%
% Hispanic	10.7%	1.9%
% Asian	0.6%	-50.0%
% Foreign Born	6.2%	-7.5%

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Mortgage and Risk — Lincolnton, NC

According to HUD data as of 2023, there were 786 mortgage originations in Lincolnton, NC, of which 79.0% of loans were conventional mortgages. The average loan-to-value was 59.0%, with 26.0% above 90% LTV (very high). This implies large mortgage risk in Lincolnton, NC. Investor activity is low, as 1.0% of loans were by investors. 12.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.

Mortgages

Metric	Zip Code Average
Total Loan Originations	786
% Conventional Loans	79.0%
% Government Loans	21.0%
% Investor Loans	1.0%
% Second Loans	1.0%
% Cash Out Refinance	12.0%

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Rentals and Section 8 — Lincolnton, NC

As of 2024, the percent of homes in Lincolnton, NC under the Section 8 program is 5.7%. This is considered low, suggesting that the neighborhood is sparsely composed of Section 8 homes. Section 8 opportunity is good when HUD pays more than market rent. 1-bedroom units appear to be good home sizes to consider for Section 8 housing in Lincolnton, NC, because HUD payments exceed market rent, while 2-bedroom and 3-bedroom and 4-bedroom units do not.

Section 8 Market Size

Total Units under HUD	534
Total Units Section 8	265
% Rentals under Section 8	5.7%
% Occupied Section 8	76.8%

Section 8 Opportunity

Home Size	HUD Premium	Market Rent	Max HUD Rent
1 Bedroom	$10	$1,000	$1,010
2 Bedroom	-$230	$1,350	$1,120
3 Bedroom	-$410	$1,960	$1,550
4 Bedroom	-$530	$2,200	$1,670

Lincolnton, NC—28092

Key Metrics at a Glance

Home Price Trends — Lincolnton, NC

Cost per Home Type

Cost per Home Size

% of Housing Stock

Rental Trends — Lincolnton, NC

% of Rental Stock

Property Listings — Lincolnton, NC

Demographics — Lincolnton, NC

Race and Ethnicity

Mortgage and Risk — Lincolnton, NC

Mortgages

Rentals and Section 8 — Lincolnton, NC

Section 8 Market Size

Section 8 Opportunity

Affordability — Lincolnton, NC

Home Price to Income Ratio

Lincolnton, NC — ZIP Code Boundary Map

Nearby ZIP Codes

High Shoals

Crouse, NC

Maiden, NC

Iron Station, NC

Dallas, NC

Frequently Asked Questions

Metric	Zip Code Average
Home Price to Income Ratio	4.2
Median Home Price	$289,000
Median Household Income	$62,600

Lincolnton, NC—28092

Key Metrics at a Glance

Home Price Trends — Lincolnton, NC

Cost per Home Type

Cost per Home Size

% of Housing Stock

Rental Trends — Lincolnton, NC

% of Rental Stock

Property Listings — Lincolnton, NC

Demographics — Lincolnton, NC

Race and Ethnicity

Mortgage and Risk — Lincolnton, NC

Mortgages

Rentals and Section 8 — Lincolnton, NC

Section 8 Market Size

Section 8 Opportunity

Affordability — Lincolnton, NC

Home Price to Income Ratio

Lincolnton, NC — ZIP Code Boundary Map

Nearby ZIP Codes

High Shoals

Crouse, NC

Maiden, NC

Iron Station, NC

Dallas, NC

Frequently Asked Questions

What is the average home price in Lincolnton, NC 28092?

How have home prices in Lincolnton, NC 28092 changed over the past year?

What is the home price projection for Lincolnton, NC 28092?

What are the demographics of Lincolnton, NC 28092?

How long does it take homes to sell in Lincolnton, NC 28092?

What is the average rent price in Lincolnton, NC 28092?