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Area data

Belmont, NC — ZIP 28012

Population: 26,556 (Census ACS)

The median home value in ZIP 28012 (Belmont, NC) is $424,109 — up 0.6% over the past year. Homes sell for a median $523,250 after a median 54.5 days on market. Typical rent runs $1,885/month. 7 schools serve the area (NCES). FEMA's National Risk Index rates the county's overall natural-hazard risk Relatively Moderate, with icestorm, lightning, strongwind the top-rated hazards. Cost of living is 7.5% below the US average (BEA, metro/state-level).

Backed by 25+ public sourcesFEMA · U.S. Census · NOAA · Dept. of Education · EPA · and more

$424,109

Median home value

+0.6%

1-year change

54.5

Median days on market

Relatively Moderate

Hazard risk (county)

Home values & appreciation

Median home value
$424,109
1-year appreciation
+0.6%
3-year appreciation
+5.5%
5-year appreciation
+29.6%
10-year appreciation
+112.7%
All-time peak (2025-11)
$426,423
House Price Index (state)
438.2 (+1.0% YoY)

Sources: home value index (ZIP-level) · FHFA House Price Index (state-level)

Market activity

Median sale price
$523,250
Median list price
$526,160
Median price per sqft
$235
1-year sale-price change
+1.6%
Median days on market
54.5 days
Homes sold (recent period)
150
For-sale inventory
238
Sale-to-list ratio
98.2%
Active listings
183
1-year forecast
+0.8%
New listings (monthly)
62

Source: recent area sales and market data (ZIP-level)

Rents

Typical rent
$1,885/mo
1-year rent change
+0.4%
Studio fair-market rent
$1,290/mo
1BR fair-market rent
$1,350/mo
2BR fair-market rent
$1,480/mo
3BR fair-market rent
$1,820/mo
4BR fair-market rent
$2,310/mo

Sources: market rent index (ZIP-level) · HUD Fair Market Rents (metro/county-level, 40th-percentile regulatory reference)

Affordability

Cost of living index (Below Average)
92.5 (100 = US avg)
Electricity rate (state-level)
14.0¢/kWh
Natural gas rate (state-level)
$16.40/MCF
30-year mortgage rate (national)
6.66%
15-year mortgage rate (national)
6.00%

Sources: BEA Regional Price Parities (metro/state-level) · EIA energy rates (state-level) · Freddie Mac PMMS (national)

Schools

Total schools
7
Elementary schools
4
Middle schools
1
High schools
2
Schools include
Belmont Central Elementary, Belmont Middle, Catawba Heights Elementary, J B Page Primary School, North Belmont Elementary

Source: NCES school directory, 2022-23 (school-address-based)

Natural hazards & flood risk

Overall hazard risk (county)
Relatively Moderate
Top hazards (county)
iceStorm, lightning, strongWind, tornado, inlandFlooding
Notable hazard ratings (county)
coldWave: Relatively Low · drought: Relatively Low · earthquake: Relatively Low · hail: Relatively Low · heatWave: Relatively Low · hurricane: Relatively Low
FEMA flood zone
AE
Flood risk level
High
Wildfire risk to homes (county)
Higher than 41% of US counties
Buildings in wildfire direct-exposure zone
62.2%
Radon potential (county)
Moderate radon potential — EPA Zone 2 of 3
EPA Superfund (NPL) sites within 5 mi
2
Nearest Superfund site
North Belmont PCE (4.3 mi)
EPA recommends radon testing for every home regardless of zone.

Sources: FEMA National Risk Index (county-level) · FEMA flood data (ZIP-level) · USDA Forest Service Wildfire Risk to Communities (county-level) · EPA radon zones + Superfund NPL

Climate (30-year normals)

Average annual temperature
62.0°F
Average high
73.0°F
Average low
51.0°F
Annual precipitation
45.2 in
Annual snowfall
3.2 in
USDA plant hardiness zone
8a (extreme annual low 10 to 15°F)

Sources: NOAA Climate Normals (30-year, nearest-station) · USDA Plant Hardiness Zone Map (2023)

Walkability & transit

Walkability index
6.7 / 20
Transit service frequency
-99,999
Jobs reachable by car (30 min)
78,669
Jobs reachable by transit (45 min)
59,425

Source: EPA Smart Location Database (metropolitan block groups)

Amenities

National parks within ~60 mi
3
Nearest national park
Overmountain Victory National Historic Trail (20 mi)
National parks include
Overmountain Victory National Historic Trail, Kings Mountain National Military Park, Cowpens National Battlefield
Airports within 30 mi
31
Nearest airport
Charlotte Douglas International Airport (CLT) (5 mi)
Nearest major airport
Charlotte Douglas International Airport (CLT) (5 mi)
Hospitals nearby (~15 mi)
8
Hospitals include
CAROMONT REGIONAL MEDICAL CENTER, ATRIUM HEALTH PINEVILLE, CAROLINAS MEDICAL CENTER/BEHAV HEALTH
Avg hospital rating (CMS)
3.6 / 5
Best hospital rating nearby (CMS)
4.0 / 5
Solar radiation rating
Good (4.5 kWh/m²/day)

Sources: National Park Service · FAA airport data · CMS hospital data · DOE/NREL (proximity-based)

Migration

Net migration (county)
+1,543 tax filers

Source: IRS county-to-county migration data (county-level, ~12-month lag)

Housing stock

Median year housing built
1,997
Housing built before 1970
26.6%
Housing built 2000 or later
46.6%
Median annual property tax
$3,144
Mean commute to work
21 min
Households with broadband internet
83.3%

Source: Census ACS 5-year estimates (ZIP-level)

Employment & development

Total county employment
67,684
Average weekly wage
$984
Top industries (by employment)
Health Care, Accommodation & Food, Construction
Annual residential building permits (county)
1,923

Sources: BLS QCEW (county-level) · Census Building Permits (county-level)

How it compares

ZIP 28012State medianUS median
Median home value$424,109$287,250$289,727
Median sale price$523,250$330,000$325,000
Median days on market55 days70 days51 days
Typical rent$1,885/mo$1,686/mo$1,808/mo
Median annual property tax$3,144$1,366$2,006

State and US medians are computed across all US ZIP codes with sufficient public-data coverage, from the same sources as the figures above.

Area data compiled from public government, academic, and industry research feeds. Data sources →

Common questions

What is the median home value in ZIP 28012?
$424,109.
What is the median sale price in ZIP 28012?
$523,250.
How long do homes take to sell in ZIP 28012?
Median days on market: 54.5 days.
What is typical rent in ZIP 28012?
Typical rent: $1,885/month.
What is the natural-hazard risk in ZIP 28012?
Overall risk: Relatively Moderate (FEMA NRI, county-level). Top hazards: iceStorm, lightning, strongWind, tornado, inlandFlooding.
Is ZIP 28012 in a flood zone?
High (FEMA NFIP). FEMA flood zone AE.
What is the wildfire risk in ZIP 28012?
Risk to homes is higher than 41% of US counties (USDA Forest Service Wildfire Risk to Communities, county-level).
What is the radon potential in ZIP 28012?
Moderate radon potential — EPA Zone 2 of 3, county-level. EPA recommends testing every home regardless of zone.
Are there Superfund sites near ZIP 28012?
2 current or proposed National Priorities List sites within 5 miles (EPA). Nearest site: North Belmont PCE, 4.3 mi.
How many schools serve ZIP 28012?
7 schools (4 elementary, 1 middle, 2 high) (NCES, 2022-23).
Is ZIP 28012 walkable?
Walkability index: 6.7/20 (EPA Smart Location Database).
What is the cost of living in ZIP 28012?
Regional Price Parity: 92.5 (100 = US average) (Below Average) (BEA RPP, metro/state-level).

Nearby ZIP codes

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Data last updated

Most recent source refresh: Sep 2026. See all data sources →

Data compiled by REAIGENT7 — AI listing platform for real estate agents