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ZIP Code · NC

ZIP 28092

Pop. 40,350·Lincoln County·204th most expensive ZIP in North Carolina
Median rent (all units)
$1,305/mo
Year-over-Year
-12.4%
Month-over-Month
+3.1%
vs US Median
-$660
Rising (Monthly)
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Most AffordableMost Expensive
ZIP 28092 · $1,305
More affordable than 87% of US ZIP codes · National median $1,965/mo
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Medians by bedroom

Rent by unit size

Studio
$890
1 BR
$920
2 BR
$1,010
3 BR
$1,400
4 BR+
$1,680
Research median
$1,010/mo

Bedroom estimates are gross rents that include essential utilities (electricity, water, gas, sewer, trash).

Rent trends

12-month history

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Last updated: July 20, 2026

Annual cost
$15,660/yr
At $1,305/mo median
Location
StateNC
CountyLincoln County
Rent Market Meter
Strong Renter's Market
Renter's MarketBalancedLandlord's Market
Rents are down 12.4% year-over-year. Push hard on price, concessions, and lease terms.
Based on rent-price momentum (-12.4% YoY, +3.1% MoM), not inventory.
Demographics

Who lives here

ZIP 28092 (Lincolnton, NC) is majority owner-occupied, has a median income below the national average, 20.8% of residents hold a bachelor's degree or higher.

Population
40,350
Median income
$60,984
Median age
42.3
Renters
30%
Age distribution
22%
20.9%
24.8%
13.4%
18.9%
Under 1822%
18–3420.9%
35–5424.8%
55–6413.4%
65+18.9%
Gender
50.4%
49.6%
Male50.4%
Female49.6%
Race & ethnicity
75.9%
12.7%
White75.9%
Black8.7%
Hispanic12.7%
Asian0.7%
Other2.1%
Education (25+)
14.6%
31.7%
32.9%
20.8%
No HS diploma14.6%
HS diploma31.7%
Some college32.9%
Bachelor's+20.8%
Housing tenure
70%
30%
Owner70%
Renter30%

Source: U.S. Census Bureau · ACS 2024 5-Year Estimates

2021 vs 2026

How ZIP 28092 in Lincolnton, NC has changed in 5 years

Income
$55,775 → $60,984
up 9.3%
Population
40,772 → 40,350
down 1.0%
Renter share
30% → 30%
+0.0 pts
Bachelor's+
17.4% → 20.8%
+3.4 pts
Median age
41.1 → 42.3
+1.2 yrs

Census figures show median household income at $60,984 today, compared with $55,775 five years earlier. Census counts show ZIP 28092 in Lincolnton, NC losing about 422 residents over the five-year window, down 1.0% on net. Bachelor's-degree-or-higher attainment moved from 17.4% to 20.8% across the same window.

Community

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Local insights

Tips for renters in ZIP 28092

About renting in ZIP 28092

Last updated: July 20, 2026

ZIP code 28092 covers Lincolnton, NC. The median rent here is $1,305/mo as of July 2026. A 1-bedroom rents for a median of $920/mo. A 2-bedroom rents for a median of $1,010/mo.

At 26% of local median household income ($60,984/yr), ZIP 28092 ranks as affordable compared to the national benchmark of 30%. Rents have decreased 12.4% over the past year.

FAQ

Frequently asked questions

How much is rent in ZIP code 28092?

As of July 20, 2026, the median monthly rent in ZIP 28092 (Lincolnton, NC) is $1,305. This is based on aggregated data from public sources and community submissions.

How does ZIP 28092 rent compare to the US average?

ZIP 28092's median rent of $1,305/mo is $660 (34%) below the US national median of $1,965/mo.

How does ZIP 28092 compare to other ZIPs in North Carolina?

ZIP 28092 is among the more affordable ZIP codes in North Carolina, ranking #204 out of 227 ZIPs at $1,305/mo.

How much income do you need to rent in ZIP 28092?

To keep rent at or below 30% of gross income, you would need to earn at least $52,000/year (~$25/hour full-time) to afford the median rent of $1,305/mo in ZIP 28092. The local median household income is $60,984/yr, meaning the typical household meets that threshold.

Is rent going up or down in ZIP 28092?

Rent in ZIP 28092 has decreased 12.4% over the past year as of July 20, 2026, offering some relief compared to 12 months ago.

Is ZIP 28092 an affordable place to rent?

ZIP 28092 is considered affordable for renters. At $1,305/mo, rent takes approximately 26% of the local median household income ($60,984/yr). The standard benchmark is 30%. ZIP 28092 falls comfortably within that range.

What percentage of ZIP 28092 residents rent vs. own?

According to Census data, approximately 30% of ZIP 28092 households are renters, while 70% are owner-occupied. ZIP 28092 leans toward homeownership, which can mean a smaller rental inventory.

How does ZIP 28092 compare to the rest of Lincolnton?

ZIP 28092 sits right at the Lincolnton citywide median of $1,305/mo.

When was rent data for ZIP 28092 last updated?

Rent data for ZIP 28092 reflects July 20, 2026. RentDataNow refreshes all data monthly using public and private datasets.
Income Affordability
26%
AFFORDABLE

At $1,305/mo, rent takes ~26% of ZIP 28092's median household income ($60,984/yr). The standard benchmark is 30%.

ZIP 28092 26%Benchmark 30%
State income tax4.5%
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Schools nearby

Public schools near ZIP 28092 (Lincolnton, NC)

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