The story of this market
The typical home in ZIP 28634 sells for about $127,218, or $148 per square foot.
Prices are down 18% from a year ago, which gives buyers more room to negotiate. Homes take about 42 days to sell. HUD's fair market rent for a two-bedroom is $982 a month.
ZIP 28634 — Harmony
The housing market in 28634 is currently stable, characterized by low inventory and moderate sales activity. Prices have seen a slight year-over-year correction, reflecting broader regional trends, while demand remains steady for single-family homes. Data for specific metrics like price cuts and months of supply are estimated based on regional trends as exact ZIP-level figures were not explicitly published in the provided sources.
This ZIP is best suited for families and individuals seeking a quiet, rural lifestyle who are willing to commute to larger employment centers in the Charlotte metro area.
Median prices moved down 18.0% year over year.
Homes spend a median of 42 days on market with 3.2 months of supply — a fast-moving market.
15% of listings have cut prices · homes sell at 98.2% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 0.9% · poverty 15.5% — a stable, low-distress profile.
Researched annual trajectory for this ZIP, from published historical series
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 5.7%/yr trend — a deterministic estimate, not a published forecast or guarantee.
Median annual property tax paid on this ZIP's residential parcels
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 5.9%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
net influx — more people moved in than out
ZCTA 28634, Iredell County NC
Crime rates in the Harmony area are generally lower than the national average, consistent with the rural character of Iredell County.
Schools serving the area are part of the Iredell-Statesville Schools district, which maintains a generally stable performance rating compared to regional peers.
The area is primarily at risk for localized flooding near water bodies and occasional severe wind events, with standard insurance requirements for the region.
Economic momentum is driven by proximity to the Charlotte-Concord-Gastonia metropolitan area, with local growth focused on residential expansion and small-scale commercial development.
Property taxes are assessed at the Iredell County level, with additional municipal rates applied where applicable; the area is subject to standard North Carolina state income tax structures.
Commuting from Harmony typically requires a drive of 30-45 minutes to reach major employment hubs in Statesville or the northern Charlotte suburbs via I-77.
Recreational opportunities include local community parks and proximity to rural trails and lakes in Iredell County, with limited large-scale shopping within the immediate 3-mile radius.
The rental market is characterized by low inventory and high demand for single-family detached homes, with limited multi-family options available.
The local economy is supported by agriculture, manufacturing, and service-sector jobs, with many residents commuting to the broader Charlotte-Concord-Gastonia MSA.
Transportation is heavily reliant on private vehicles, with I-77 serving as the primary corridor for regional access.
Development is primarily focused on low-density residential subdivisions and small-scale commercial infill.
Iredell County utilizes a periodic reappraisal system to determine property values for tax assessment purposes.
Parcels are subject to Iredell County property taxes and are served by the Iredell-Statesville Schools district.
Property insurance premiums are influenced by regional weather patterns, including wind and storm risks common to the North Carolina Piedmont.
North Carolina continues to experience positive net domestic migration, driven by job growth in the Charlotte and Research Triangle regions.
North Carolina is a judicial foreclosure state, requiring court action to complete the foreclosure process.
Sellers are required to provide a Residential Property and Owners' Association Disclosure Statement to buyers.
Data retrieved from US Census Bureau ZCTA-level tables.
Public schools whose reported address is in this area (NCES). Not attendance boundaries — schools that serve residents may sit outside it. Check the district's address locator for assignment.
- Key To Escape515.2 mi
- Raffaldini Vineyards & Winery4.316.6 mi
- Angry Troll Brewing Elkin4.519.8 mi
- Carolina BalloonFest3.919 mi
- Farmington Dragway4.710.6 mi
- Southern Distilling Company4.910.2 mi
- Jennings Park4.710 mi
- Southern Distilling Company4.910.2 mi
- Alpha and Omega Corn Maze4.812.7 mi
- Rich Park4.711.2 mi
- Shadow Springs Vineyard4.910.6 mi
- Fort Dobbs State Historic Site4.713.4 mi
- Hiddenite Arts & Heritage Center4.620 mi
- Jennings Park4.710 mi
- Lake Myers Campground3.46 mi
- Davie County Recreation and Parks4.712.7 mi
- Rich Park4.711.2 mi
- Yadkin Memorial Park4.811.2 mi
- Pudding Ridge Golf Course4.110.6 mi
- Shiloh General Store4.810.3 mi
- Publix Super Market at North Pointe Shopping Center4.612.9 mi
- Vintage Village Flea Market410.6 mi
- Dollar General4.210.5 mi
- Dollar General4.111.9 mi
Theme parks, venues, golf, airports, museums, water and shopping across the area from Google Maps, ranked by popularity within the radius shown.
Local park providing green space and community gathering areas.
Key-figure check: median price diverges 81.7% from the nearest retained anchor (published ten-year series (2024)) — beyond the 12.5% tolerance; an automated validation case is open and the value publishes pending its verdict. Research outlier held out — this pass returned a median of $235,872 (85.4% off the retained reading), contradicting every independent anchor; the prior reading stands pending corroboration. Validation: the flagged $235,872 (+81.7% vs the published ten-year series (2024)) could not be independently corroborated and was reverted to the prior cycle value pending review; the case is under review in the Command Center.