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Carolina Beach town, NC

ZIP 28428 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 28428

Median Home Value
$490,100
Median Rent
$1,213
Affordability Snapshot
$135,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,148/mo PITI).

17%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

5.6x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

33.7 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 28428 in Carolina Beach town, NC, a household would need roughly $135,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $3,148. That is about 54% above the local median household income ($87,670), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 50% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
78.7%+20% vs US avg
x
Vacancy Rate
50.4%+389% vs US avg
x
Broadband Access
95.4%+10% vs US avg
x
4+ Bedrooms
3.6%-76% vs US avg
x
Built Pre-1939
2.9%-77% vs US avg
x
Built Post-2014
0.7%-90% vs US avg
x
Rent Burden >30%
21.3%-57% vs US avg
x
Mortgage-Free
42.3%+11% vs US avg
x
$490,100
Home Value
$1,213
Rent
1988
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached43.3%
  • 1-unit attached13.1%
  • 2-9 units18.1%
  • 10+ units22.7%
  • Mobile home & other2.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$490,100
Median rent$1,213
Owner-occupied78.7%
Vacant50.4%
Price-to-income5.6x
Est. income to buy$135,000