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North Topsail Beach town, NC

ZIP 28460 — 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 28460

Median Home Value
$310,000
Median Rent
$1,339
Affordability Snapshot
$85,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,991/mo PITI).

19%
Rent-to-Income Ratio

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

3.6x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

19.3 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 28460 in North Topsail Beach town, NC, a household would need roughly $85,000 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 $1,991. That is roughly in line with the local median household income ($86,180). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 38% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
74.6%+14% vs US avg
x
Vacancy Rate
38.2%+271% vs US avg
x
Broadband Access
93.2%+7% vs US avg
x
4+ Bedrooms
3.7%-75% vs US avg
x
Built Pre-1939
0.7%-95% vs US avg
x
Built Post-2014
3.5%-50% vs US avg
x
Rent Burden >30%
26.7%-46% vs US avg
x
Mortgage-Free
19.4%-49% vs US avg
x
$310,000
Home Value
$1,339
Rent
2002
Year Built
2019
Moved In

Residents have lived here since ~2019 on average

Housing Structure

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

  • 1-unit detached62.5%
  • 1-unit attached9.8%
  • 2-9 units5.2%
  • 10+ units12.8%
  • Mobile home & other9.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$310,000
Median rent$1,339
Owner-occupied74.6%
Vacant38.2%
Price-to-income3.6x
Est. income to buy$85,000