Onslow County, NC Average Home Price (2026)
The average home price in Onslow County, North Carolina is about $276,000 (the 2026 median across 10 ZIP codes, at ~$182/sq ft) — 4% more affordable than the North Carolina median and 4% more affordable than the typical U.S. home.
How Onslow County compares
Onslow County is about average for housing nationally: its typical home costs $276,000 against $287,000 for North Carolina and $289,000 for the U.S. Within the county, ZIP-level values run from about $200,000 to $524,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Onslow County | $276,000 | $182 |
| North Carolina | $287,000 | $203 |
| United States | $289,000 | $193 |
Onslow County home prices by ZIP code
The 10 most valuable ZIP codes in Onslow County (of 10 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 28445 Holly Ridge | $524,000 | $279 | +90% |
| 28460 Sneads Ferry | $401,000 | $329 | +45% |
| 28582 Stella | $380,000 | $191 | +38% |
| 28539 Hubert | $283,000 | $176 | +3% |
| 28454 Maple Hill | $277,000 | $189 | +0% |
| 28574 Richlands | $275,000 | $183 | +0% |
| 28546 Jacksonville | $267,000 | $166 | -3% |
| 28540 Jacksonville | $259,000 | $174 | -6% |
| 28555 Maysville | $236,000 | $180 | -14% |
| 28544 Midway Park | $200,000 | $169 | -28% |
Home value appreciation in Onslow County
Home prices in Onslow County have risen about 109% over the last 10 years (≈7.6% a year) and +107.4% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +2.9% — still rising. A home worth $276,000 today was worth roughly $132,121 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, North Carolina is +106.6% over the same 10 years. Past appreciation is a track record, not a forecast; local prices can fall.
Calculators for Onslow County
Run the numbers for Onslow County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Onslow County
To buy the typical $276,000 home in Onslow County with 20% down, you need a household income of roughly $75,000 a year (about $1,750 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $89,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $13,800 | $2,180/mo | $93,000/yr |
| 10% (+PMI) | $27,600 | $2,080/mo | $89,000/yr |
| 20% | $55,200 | $1,750/mo | $75,000/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 Onslow County
At about $182 per square foot, here is roughly how much home different budgets get you in Onslow County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 820 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1100 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1370 sq ft | around the typical home here |
| $300k | 1650 sq ft | around the typical home here |
| $400k | 2200 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens filtered to North Carolina.
Estimate a specific home in Onslow County
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Onslow County home prices: frequently asked
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Browse all North Carolina cities and counties, or look up price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research; FHFA house price index; Census ZIP-to-county relationships), not appraisals.