ZIP Code 28804 — Asheville, NC Home Prices (2026)
The typical home in ZIP 28804 (Asheville, North Carolina) is worth about $596,000 at roughly $349 per square foot — 32% more expensive than the Asheville median and 103% more expensive than the typical U.S. home.
How 28804 compares
ZIP 28804 is one of the pricier ZIP codes in Asheville: its typical home value of $596,000 ranks #1 of the 5 Asheville ZIP codes we track (the citywide range runs from $402,000 in 28806 to $596,000 in 28804). Per square foot it costs about $349, against $318 for Asheville as a whole, $202 for North Carolina, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 28804 | $596,000 | $349 |
| Asheville, NC | $450,000 | $318 |
| North Carolina | $290,000 | $202 |
| United States | $294,000 | $195 |
Home value by size in 28804
Using this ZIP’s rate of about $349 per square foot. Condition, lot, and the exact street move these meaningfully — use the estimator below for a home-specific figure.
| Home size | Estimated value |
|---|---|
| 1,000 sq ft | $349,000 |
| 1,500 sq ft | $523,500 |
| 2,000 sq ft | $698,000 |
| 2,500 sq ft | $872,500 |
| 3,000 sq ft | $1,047,000 |
Salary needed to buy a home in ZIP 28804
To buy the typical $596,000 home in ZIP 28804 with 20% down, you need a household income of roughly $162,000 a year (about $3,780 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $193,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $29,800 | $4,700/mo | $202,000/yr |
| 10% (+PMI) | $59,600 | $4,500/mo | $193,000/yr |
| 20% | $119,200 | $3,780/mo | $162,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in ZIP 28804
At about $349 per square foot, here is roughly how much home different budgets get you in ZIP 28804:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $300k | 860 sq ft | below the local median — condos, smaller or older homes |
| $400k | 1150 sq ft | below the local median — condos, smaller or older homes |
| $500k | 1430 sq ft | around the typical home here |
| $600k | 1720 sq ft | around the typical home here |
| $750k | 2150 sq ft | around the typical home here |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens pre-filled with a typical 28804 home.
Estimate a specific home in 28804
The estimator below is pre-set to ZIP 28804 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All Asheville ZIP codes by home value
Where 28804 sits among Asheville’s 5 ZIP codes:
| # | ZIP code | Typical value | $ / sq ft |
|---|---|---|---|
| 1 | 28804 (this page) | $596,000 | $349 |
| 2 | 28801 | $558,000 | $484 |
| 3 | 28805 | $450,000 | $289 |
| 4 | 28803 | $448,000 | $304 |
| 5 | 28806 | $402,000 | $318 |
ZIP 28804 home prices: frequently asked
What is the average home price in ZIP code 28804? +
What is the price per square foot in 28804? +
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Is 28804 an expensive ZIP code? +
See the full Asheville home values page, all North Carolina cities, or price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research), not appraisals. A single ZIP contains very different homes; actual values vary and change over time.