C

Swannanoa, NC

Source:

Affordability Score: 57/100

Population: 10,381 · 1 ZIP codes

The affordability dashboard for Swannanoa, NC aggregates Census ACS 5-Year Estimates across 1 ZIP code covering 10,381 residents, then layers in county-level federal data to produce an overall grade of C (57/100). The headline inputs are median household income of $73,408, median home value of $303,300, median rent of $994 per month, and 31.5% of adults holding a bachelor's degree or higher. These four metrics alone explain most of the variance between city dashboards.

Cross-agency feeds widen the picture beyond Census demographics. HUD publishes a Fair Market Rent for a 2-bedroom in this county at $1,567 per month (studio $1,227, 1BR $1,429, 3BR $1,905, 4BR $2,629). Department of Labor data lists infant center-based childcare at $9,920 per year, consuming 14% of the local median household income.

Reading the overall grade requires reading all seven dimensions together. The score weights Income 20%, Safety 20%, Housing 15%, Rent 15%, Education 10%, Commute 10%, and Childcare 10%, with each sub-score benchmarked against national percentiles rather than state averages — so the grade is genuinely comparable across any city in the country. Strengths visible in the raw data for Swannanoa, NC include commute. Pressure points are housing. Unemployment currently reads 7.2% and poverty 15.0% — numbers worth keeping alongside the headline grade.

Score Breakdown

Income C+
$73,408
Median household income
Education C-
31.5%
Bachelor's degree or higher
Housing F
4.1x
Home value $303,300 vs income
Commute B+
19 min
Average commute time
Rent C+
$1,567/mo
2BR fair market rent (26% of income)
Safety N/A
N/A
Violent crime rate (county)
Childcare C
$9,920/yr
Center-based infant care (14% of income)

Income & Employment

Median Income
$73,408
▲ 18% vs national
Per Capita Income
$28,241
Unemployment Rate
7.2%
Poverty Rate
15.0%

Housing

Median Home Value
$303,300
▲ 10% vs national
Median Rent
$994/mo
Owner Occupied
77.1%
2BR Fair Market Rent
$1,567/mo
▲ 31% vs national

Fair Market Rents by Bedroom

Studio
$1,227
1BR
$1,429
2BR
$1,567
3BR
$1,905
4BR
$2,629

Safety

Violent Crime Rate
Data Source
FBI UCR (county-level)

Education & Family

Bachelor's Degree+
31.5%
▲ 2 ppt vs national
High School+
61.0%
Median Age
40.8
Avg. Commute
19 min
▼ 7 min vs national

Childcare Costs

Infant (Center)
$9,920/yr
14% of income
Toddler (Center)
$8,579/yr
Preschool (Center)
$9,099/yr
School-Age (Center)
$7,021/yr

What This Means

Swannanoa, NC receives an overall affordability grade of C (57/100), aggregated from 1 ZIP codes with a total population of 10,381. This area performs well in commute. Challenges include housing. Data was unavailable for safety — these dimensions were excluded from the overall score.

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What are common questions about this dashboard?

Is Swannanoa, NC affordable?
Swannanoa, NC receives an overall affordability grade of C (57/100) based on Census, HUD, FBI, and DOL data. Median household income is $73,408. Median home value is $303,300.
What is the cost of living in Swannanoa?
Key cost metrics: Median rent $994/mo. 2BR fair market rent $1,567/mo. Infant childcare $9,920/yr. Median home value $303,300.
How is the affordability score calculated?
The score evaluates 7 dimensions weighted by importance: Income (20%), Safety (20%), Housing (15%), Rent (15%), Education (10%), Commute (10%), and Childcare (10%). Each metric is compared against national percentile benchmarks from Census, HUD, FBI, and DOL data.

Data as of 2024. Source: U.S. Census Bureau ACS 5-Year Estimates. Source: HUD Fair Market Rents. Source: FBI Uniform Crime Report. Source: DOL National Database of Childcare Prices. Verify with HUD →