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Area data

Lowell, NC — ZIP 28098

Population: 3,851 (Census ACS)

The median home value in ZIP 28098 (Lowell, NC) is $273,819 — down 0.2% over the past year. Homes sell for a median $345,000 after a median 39 days on market. 2 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

$273,819

Median home value

-0.2%

1-year change

39

Median days on market

Relatively Moderate

Hazard risk (county)

Home values & appreciation

Median home value
$273,819
1-year appreciation
-0.2%
3-year appreciation
+3.4%
5-year appreciation
+27.2%
10-year appreciation
+135.1%
All-time peak (2026-02)
$275,735
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
$345,000
Median list price
$335,000
Median price per sqft
$194
1-year sale-price change
+12.2%
Median days on market
39 days
Homes sold (recent period)
13
For-sale inventory
19
Sale-to-list ratio
99.4%
Active listings
18
1-year forecast
+0.7%
New listings (monthly)
5

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

Rents

Studio fair-market rent
$1,240/mo
1BR fair-market rent
$1,300/mo
2BR fair-market rent
$1,420/mo
3BR fair-market rent
$1,750/mo
4BR fair-market rent
$2,220/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
2
Elementary schools
1
Middle schools
1
High schools
0
Schools include
Holbrook Middle, Lowell 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
X
Flood risk level
Minimal
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 (2.8 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
44.7 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
9.8 / 20
Transit service frequency
-99,999
Jobs reachable by car (30 min)
73,503
Jobs reachable by transit (45 min)
57,040

Source: EPA Smart Location Database (metropolitan block groups)

Amenities

National parks within ~60 mi
3
Nearest national park
Overmountain Victory National Historic Trail (18 mi)
National parks include
Overmountain Victory National Historic Trail, Kings Mountain National Military Park, Cowpens National Battlefield
Airports within 30 mi
31
Nearest airport
Gastonia Municipal Airport (6 mi)
Nearest major airport
Charlotte Douglas International Airport (CLT) (10 mi)
Hospitals nearby (~15 mi)
6
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
1,971
Housing built before 1970
48.6%
Housing built 2000 or later
31.5%
Median annual property tax
$1,468
Mean commute to work
17 min
Households with broadband internet
77.4%

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 28098State medianUS median
Median home value$273,819$287,250$289,727
Median sale price$345,000$330,000$325,000
Median days on market39 days70 days51 days
Median annual property tax$1,468$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 28098?
$273,819.
What is the median sale price in ZIP 28098?
$345,000.
How long do homes take to sell in ZIP 28098?
Median days on market: 39 days.
What is typical rent in ZIP 28098?
2-bedroom fair-market rent: $1,420/month (HUD FMR — a 40th-percentile regulatory reference, not market-observed).
What is the natural-hazard risk in ZIP 28098?
Overall risk: Relatively Moderate (FEMA NRI, county-level). Top hazards: iceStorm, lightning, strongWind, tornado, inlandFlooding.
Is ZIP 28098 in a flood zone?
Minimal (FEMA NFIP). FEMA flood zone X.
What is the wildfire risk in ZIP 28098?
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 28098?
Moderate radon potential — EPA Zone 2 of 3, county-level. EPA recommends testing every home regardless of zone.
Are there Superfund sites near ZIP 28098?
2 current or proposed National Priorities List sites within 5 miles (EPA). Nearest site: North Belmont PCE, 2.8 mi.
How many schools serve ZIP 28098?
2 schools (1 elementary, 1 middle) (NCES, 2022-23).
Is ZIP 28098 walkable?
Walkability index: 9.8/20 (EPA Smart Location Database).
What is the cost of living in ZIP 28098?
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