Zip lookup · NC

28025
Concord, North Carolina.

Concord, Cabarrus County, NC · Charlotte-Concord-Gastonia, NC-SC metro · population 58,334

What it costs per month · 28025 $1,780/mo

to buy the typical home at today's mortgage rate — +$1,006 (+130%) since Jan 2020.

What the home itself did
1 year
Down $1,567 -0%
$340,775$339,208 since Sep 2025
5 years
Up $61,346 +22%
$277,862$339,208 since Sep 2021

Monthly payment to buy the typical home

Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.

$500 $1,000 $1,500 $2,000 2002 2006 2010 2014 2018 2022 2026 28025 $1,780 United States $1,922
$500 $1,000 $1,500 $2,000 2002 2010 2018 2026
  • 28025$1,780
  • United States$1,922

At the last five years' pace, a typical home here doubles in price every 17 years.

Typical home values in zip 28025 fell 0.5% over the past year — slower than the nation's +1.2%.

Asking rents in zip 28025 rose 1.6% over the past year — slower than the nation's +2.7%.

Owning the typical home in zip 28025 runs $515/mo more than renting one. The gap peaked at $790 in Oct 2023.

That is $2,350 a month against $1,835 rent: a $1,780 mortgage payment, plus $206 property tax and $363 insurance & upkeep.

Owning vs renting — zip 28025

The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.

$1,000 $1,500 $2,000 $2,500 2018 2020 2022 2024 2026 Owning all in $2,350 Renting $1,835 Mortgage only $1,780
$1,000 $1,500 $2,000 $2,500 2018 2022 2026
  • Owning all in$2,350
  • Renting$1,835
  • Mortgage only$1,780

Property tax · $206/mo 0.73% of value a year — the ACS 2020-2024 median bill over the median home value for Cabarrus County, NC

Insurance & upkeep · $363/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.

Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.

Zillow also publishes an index for the city itself: Concord, NC — measured over the city limits, which is a different area from this zip.

Asking rent $1,835 as of Sep 2026
+1.6%year on year
Typical home value $339,208 as of Sep 2026
-0.5%year on year

Asking rent — 28025

Against the Charlotte-Concord-Gastonia, NC-SC metro and the national benchmark.

$1,000 $1,250 $1,500 $1,750 2018 2020 2022 2024 2026 28025 $1,835 Charlotte $1,735 United States $1,932
$1,000 $1,250 $1,500 $1,750 2018 2022 2026
  • 28025$1,835
  • Charlotte$1,735
  • United States$1,932

Typical home value — 28025

Mid-tier homes, smoothed and seasonally adjusted.

$200,000 $300,000 $400,000 2018 2020 2022 2024 2026 28025 $339,208 Charlotte $381,392 United States $366,157
$200,000 $300,000 $400,000 2018 2022 2026
  • 28025$339,208
  • Charlotte$381,392
  • United States$366,157

Within 20 miles

10 mi 20 mi 50 mi
Miles Zip City Population Rent Home value
7.1 28124 Mount Pleasant 7,010 — $379,247
8.2 28083 Kannapolis 28,095 $1,532 $263,616
8.4 28075 Harrisburg 21,517 $2,519 $501,189
8.6 28027 Concord 81,772 $1,752 $409,576
9.1 28107 Midland 10,244 $2,232 $427,970
9.5 28097 Locust 8,303 — $382,391
10.8 28138 Rockwell 10,271 — $295,172
11.6 28081 Kannapolis 29,075 $1,585 $292,684
12.3 28088 Landis 3,054 $1,425 $274,834
12.7 28262 Charlotte 50,003 $1,512 $337,996
13.2 28215 Charlotte 66,674 $2,051 $344,020
13.2 28163 Stanfield 6,491 — $396,358
13.4 28213 Charlotte 45,904 $1,548 $319,950
13.7 28023 China Grove 15,495 $1,458 $292,846
15.0 28071 Gold Hill 4,219 — $334,029
15.0 28227 Charlotte 60,482 $1,695 $383,407
15.2 28129 Oakboro 5,852 — $332,571
15.8 28269 Charlotte 79,586 $1,835 $351,379
16.7 28036 Davidson 22,963 $2,107 $650,070
17.3 28137 Richfield 2,664 — $322,140
18.1 28212 Charlotte 42,440 $1,340 $316,327
18.2 28146 Salisbury 31,292 $1,529 $302,505
18.4 28205 Charlotte 51,806 $1,771 $454,009
18.5 28001 Albemarle 26,424 $1,335 $261,392
18.7 28206 Charlotte 15,375 $1,573 $321,727
19.0 28079 Indian Trail 43,035 $2,020 $428,678
19.2 28078 Huntersville 71,657 $1,938 $535,352
19.6 28115 Mooresville 43,544 $1,968 $401,150

Coordinates and population from SimpleMaps US Zips (Basic). Rent and home values from Zillow Research.