Real Estate Investing in Maiden, North Carolina (28650)

Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.

Catawba County • Population: 13,082 • Data updated: September 2026

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Should you buy in 28650 (Maiden, NC)? Our answer, based on the numbers below.

🏠 For Homebuyers
CAUTION
Grade D (54/100)

Proceed carefully. Weak appreciation or affordability makes this a harder case for most buyers.

📈 For Investors
MIXED
3.0 / 5 (47/100)

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
2 flags
  • Elevated vacancy: 8.8% vacancy may signal weakening demand.
  • High price-to-rent: Price-to-rent ratio 27.8 — hard to cash-flow at these prices.

• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.

What’s happening in Maiden, NC (28650)?

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3.0/ 5

Investability

Overall investment appeal

3.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $317,744
Avg Monthly Rent $954
1% Rule ✗ Does Not Meet
Median Income $64,007
% Renters 15.9%

Market Analysis: 28650 Maiden

Investors eyeing 28650 need to respect the fundamentals at play. Home values of $318K come alongside slower price movement and elevated management overhead.

Distressed does not mean uninvestable. It means the margin for error is thinner. ZIP 28650 rewards the prepared, punishes the overconfident, and leaves the math unchanged either way.

Within NC, ZIP 28650 trails on several market indicators that neighboring Catawba County submarkets outperform. The gap is real and durable enough to shape underwriting.

The demographic picture in 28650 includes headwinds that any investor should price in. Income distribution skews lower than Maiden averages, and tenant stability requires active management.

The right play in 28650 usually involves deep tenant screening, aggressive delinquency response, and a conservative capex buffer. Anything less, and the discount can turn into a trap.

Explore the Data — Click a Tab Below
🏦 Current 30-yr Fixed Mortgage Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS

Here's what matters if you're considering buying a home in Maiden:

C+ Average
Buy Confidence Score: 64/100
Affordability
10/25
Appreciation
22/25
Stability
11/20
Timing
6/15
Rental backup
15/15
Affordability
Moderate
Homes cost 5× the median income
Value Trend
Rising (+5.9%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $954/mo if you need to move
Market Conditions
WARM
Seller-favorable conditions, steady activity
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
☀️
WARM MARKET
Hickory-Lenoir-Morganton, NC Metro Area
Seller-favorable conditions, steady activity
0 days
Average time to sell
Very Fast
9.2%
Listings with price cuts
Few Cuts
0.0%
Sale price vs asking
Below Ask
0.0%
Income needed for mortgage
Affordable
📅 Market conditions as of August 29, 2026 — updated weekly from Hickory-Lenoir-Morganton, NC metro data
🏠

Property Strategy for 28650

Which property type performs best in this market?

Best for Cash Flow
2BR
3.8% cap rate
Best for Appreciation
2BR
+10.1% 5yr CAGR
Best Overall Value
2BR
$99,803/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $199,605 $1,060 3.8% +10.1% $99,803
3BR $317,079 $1,470 3.3% +9.0% $105,693
4BR $416,394 $1,570 2.7% +9.0% $104,098

Market Trends

Home Value History (with trend line)

$336K$289K$242K$195K$147K$100KJul 2006Jul 2016Jul 2026

📊 How Does 28650 Compare?

Metric 28650 Maiden Hickory-Lenoir-Morganton, NC North Carolina
Home Value $317,744 $317,744 N/A $330,565
5-Year CAGR 6.7% 6.7% N/A 7.8%
Avg Rent $954 $954 N/A -
Cap Rate 2.3% 2.3% - -
💡 Why Invest in 28650? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

📊 See where this ZIP ranks in our Best-of lists →
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 28650 (Maiden, NC). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
2.3%
Low
5yr Growth
+6.7%
Strong

📊 Market Snapshot

Home Value $317,744
Monthly Rent $954
Price-to-Rent 27.8:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 3.6%
Cap Rate 2.3%
5-Year IRR 9.1%

📈 Home Appreciation

1-Year +5.9% ▲
3-Year CAGR +4.6% ▲
5-Year CAGR +6.7% ▲
10-Year CAGR +8.9% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 2.3%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.3%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.

Run an IRR Analysis →

⚠️ Risk Signals

Composite view of factors that can impact a ZIP's stability and your downside risk.

Vacancy
8.8%
Moderate risk
Landlord Climate
4.0/5
Friendly
Value Trend (5yr)
+6.7%
Growing
Eviction process: Moderate Rent control: Favorable

Demographics in 28650

Population: 13,082

💰 Median Household Income
$64,007
This area
$64,007
State
$63,256
USA
$74,580
🏠 Renter Occupied
15.9%
This area
15.9%
State
27.8%
USA
34.0%
💼 Unemployment Rate
2.0%
This area
2.0%
State
-19.3%
USA
3.7%
🎓 College Educated
19.2%
This area
19.2%
State
0.5%
USA
33.7%
👤 Median Age
44.8 years
This area
44.8 years
State
6.5 years
USA
38.9 years
🏚️ Vacancy Rate
8.8%
This area
8.8%
State
19.4%
USA
10.5%
👥 Population by Ethnicity
White 92.0%
Other/Mixed 4.9%
Hispanic/Latino 3.5%
Black/African American 3.1%
👶 Under 18
23.4%
This area
23.4%
USA
22.0%
👴 65 and Over
17.2%
This area
17.2%
USA
17.3%
📊 Poverty Rate
7.4%
This area
7.4%
USA
11.5%

Crime & Safety

🚧

Crime & Safety Data Coming Soon

We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.

Expected: Q1 2025

🎓 Schools in 28650

B Avg School Grade
4 Schools
15.7:1 Avg Class Size
$12,509 Avg Per Pupil

Schools in This ZIP Code

B+ Above Average

Charles H Tuttle Elementary

📚 K – 06 School
👥
384 Students
👨‍🏫
14.0:1 Class Size
💰
$12,509 Per Student
B Good

Maiden Elementary

📚 Pre-K – 06 School
👥
538 Students
👨‍🏫
15.5:1 Class Size
💰
$12,509 Per Student
B Good

Maiden Middle School

📚 07 – 08 Middle
👥
405 Students
👨‍🏫
15.4:1 Class Size
💰
$12,509 Per Student
B Good

Maiden High

📚 09 – 12 High School
👥
879 Students
👨‍🏫
17.8:1 Class Size
💰
$12,509 Per Student
About Repit School Scores

Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.

We evaluate schools based on factors that research shows actually impact educational outcomes:

  • Class Size — Smaller classes mean more individual attention
  • School Funding — Resources available for programs, staff, and facilities
  • Community Factors — Neighborhood characteristics that influence student success
  • School Environment — Size, type, and structure

Scores are updated annually using federal education data.

🎓 Nearby Colleges & Universities

2 Nearby 1,376 Off-Campus Students
C
Catawba Valley Community College
4,413 students · 11.4 mi
C
Lenoir-Rhyne University
2,230 students · 15.0 mi

Investor Insight: With 1,376 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

What kind of market is Maiden, NC for investors?

Investors tracking Maiden, NC will find a 3.0/5 rating supported by $318K median home values and $954/mo rents. That profile suits long-term holders targeting measured returns.

How much is rent in Maiden, NC?

Rents in Maiden, NC run near $954/mo. Compared with median home prices of $318K that produces solid gross yields for typical rentals.

Are tenants stable in Maiden, NC?

Working renters make up the core of the Maiden, NC tenant base. The pool is reasonable for investors targeting long-term holds.

Is Maiden, NC a friendly market for rental owners?

Maiden, NC falls under NC landlord-tenant law, which is landlord-friendly. That backdrop makes day-to-day property management reasonable.

What is the typical vacancy rate in Maiden, NC?

Maiden, NC vacancy trends elevated. Investors running standard buy-and-hold plays see reasonable downtime between tenants.

You know 28650 now. You don’t know where it ranks.

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How 28650 ranks in Hickory-Lenoir-Morganton, NC

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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