ZIP Code 28412 — Wilmington, NC Home Prices (2026)
The typical home in ZIP 28412 (Wilmington, North Carolina) is worth about $396,000 at roughly $246 per square foot — 1% more affordable than the Wilmington median and 35% more expensive than the typical U.S. home.
How 28412 compares
ZIP 28412 is a mid-priced ZIP code for Wilmington: its typical home value of $396,000 ranks #4 of the 6 Wilmington ZIP codes we track (the citywide range runs from $333,000 in 28401 to $518,000 in 28409). Per square foot it costs about $246, against $275 for Wilmington as a whole, $202 for North Carolina, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 28412 | $396,000 | $246 |
| Wilmington, NC | $398,000 | $275 |
| North Carolina | $290,000 | $202 |
| United States | $294,000 | $195 |
Home value by size in 28412
Using this ZIP’s rate of about $246 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 | $246,000 |
| 1,500 sq ft | $369,000 |
| 2,000 sq ft | $492,000 |
| 2,500 sq ft | $615,000 |
| 3,000 sq ft | $738,000 |
Salary needed to buy a home in ZIP 28412
To buy the typical $396,000 home in ZIP 28412 with 20% down, you need a household income of roughly $108,000 a year (about $2,510 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $128,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $19,800 | $3,120/mo | $134,000/yr |
| 10% (+PMI) | $39,600 | $2,990/mo | $128,000/yr |
| 20% | $79,200 | $2,510/mo | $108,000/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 28412
At about $246 per square foot, here is roughly how much home different budgets get you in ZIP 28412:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $200k | 810 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1020 sq ft | below the local median — condos, smaller or older homes |
| $300k | 1220 sq ft | below the local median — condos, smaller or older homes |
| $400k | 1630 sq ft | around the typical home here |
| $500k | 2030 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 28412 home.
Estimate a specific home in 28412
The estimator below is pre-set to ZIP 28412 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All Wilmington ZIP codes by home value
Where 28412 sits among Wilmington’s 6 ZIP codes:
| # | ZIP code | Typical value | $ / sq ft |
|---|---|---|---|
| 1 | 28409 | $518,000 | $277 |
| 2 | 28411 | $469,000 | $274 |
| 3 | 28403 | $400,000 | $275 |
| 4 | 28412 (this page) | $396,000 | $246 |
| 5 | 28405 | $377,000 | $256 |
| 6 | 28401 | $333,000 | $284 |
ZIP 28412 home prices: frequently asked
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See the full Wilmington 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.