Jacksonville, NC · Onslow County, NC · 21,906 properties with county records
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Jacksonville 28540 is in Onslow County, NC, part of the Morehead City Metro. The typical home value in Jacksonville 28540 is $260,062 (Zillow Home Value Index, August 2026), up 3.7% from a year earlier. Homes that sold went under contract in a median 52 days, and 27% of listings took a price cut (Redfin Data Center, period ending Aug 31, 2026). On Lotvox's market-leverage reading of that data, with 2.2 months of supply, neither buyers nor sellers hold a clear edge. The Lotvox Turnover Index is not published for 28540 yet: it appears only where a held-out test on the county's recorded sales beats chance. Across Onslow County's 10 ZIPs with a Zillow value, the middle one is $278,258, so 28540 sits 7% below the county middle. Typical rent is $1,415 a month (Zillow Observed Rent Index, August 2026). Lotvox holds county assessor records for 21,906 properties in 28540.
Headline value data through August 2026. Each source below carries its own date.
Is 28540 a buyer's or seller's market?
By Lotvox's leverage reading of Redfin data through Aug 31, 2026, 28540 is a balanced market. Homes went under contract in a median 52 days with 2.2 months of supply.
What do homes in 28540 sell for?
The typical home value in 28540 is $260,062 (Zillow Home Value Index, August 2026), up 3.7% in a year. County records put the median at about $212 per square foot (computed Apr 21, 2026).
Who is likely to sell in 28540?
Lotvox only publishes its Turnover Index where a held-out test on recorded sales beats chance, and 28540 has not passed that test yet. When it does, the score appears here.
How does 28540 compare to Onslow County?
28540's typical value of $260,062 compares with a middle value of $278,258 across Onslow County's 10 ZIPs. Both are Zillow Home Value Index figures for August 2026.
Where does this 28540 data come from?
Values and rents come from Zillow's research data, sales pace from the Redfin Data Center, and property counts and turnover from county assessor and deed records. Each number on this page carries its own date, and the method is published at lotvox.com/methodology.
Verdict grades housing conditions; buyer-timing, investor cash-flow, supply-tightness and county macro scores answer different questions — each in its own section.
Buyer / seller
buyer-timing lens
Balanced Market
DOM: 49d (rising) · Market Dynamics rolling median · hourly
Score Components
Payment Burden (25%)25
Valuation Gap (25%)40
Supply & Demand (20%)85
Buy vs Rent (15%)50
Cancellation Rate (10%)0
Days on Market (5%)60
Balanced market in 28540. List price is roughly fair — focus on condition and value. Payment burden: 25.8% of median income. Median days on market: 49. Renting is approximately 34% cheaper than buying (price-to-rent ratio: 16.1).
Balanced market conditions. Prices roughly aligned with fundamentals — similar to stable periods in 2014-2015.
WARMINGBALANCED
Market is warming with rising prices. Conditions are balanced between buyers and sellers. Prices up 3.7% YoY.
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Housing pulse — Housing pulse could not be loaded (429).
Price bands
mix-shift
Price Bands — the median behind the median
A single median rises whenever expensive homes become a bigger share of what sells, even if no tier got more expensive. These are the tiers underneath it, computed from recorded arms-length deed transactions in Onslow.
Current tiers · 12 months to Invalid Datefloor 10 sales/tier
7 tiers had too few sales at every level and are left blank rather than estimated.
Tier
Median
$/sqft
Sales
Share
Source
Under $250k
—
—
—
—
fewer than 10 sales at zip, county and metro level
$250k–$500k
—
—
—
—
fewer than 10 sales at zip, county and metro level
$500k–$750k
—
—
—
—
fewer than 10 sales at zip, county and metro level
$750k–$1M
—
—
—
—
fewer than 10 sales at zip, county and metro level
$1M–$1.5M
—
—
—
—
fewer than 10 sales at zip, county and metro level
$1.5M–$2M
—
—
—
—
fewer than 10 sales at zip, county and metro level
$2M+
—
—
—
—
fewer than 10 sales at zip, county and metro level
No mix-shift history for this area. no geography from this ZIP up to metro has 8+ quarters of 10+ recorded arms-length sales across at least 4 price tiers. Trends are drawn only from recorded transactions; the last-sale snapshot above cannot carry a time series, because a property that sold twice keeps only its latest sale — which drags the history upward through the tiers and would invent the very mix shift this section exists to test for.
National context — not local
NAR's aggregate existing-home median for the United States and the South census region. This is the figure the tiers above are a check on. It is national/regional and says nothing about 28540.
United States
South
Copyright, National Association of Realtors. Reprinted with permission. Retrieved from FRED, Federal Reserve Bank of St. Louis. FRED publishes a rolling 13-month window for these series.
Tiers computed from Lotvox parcel and deed substrate through Aug 25 (10 later months withheld as partially loaded). Sample floor 10 sales per tier; below it a figure is drawn from the county or metro and labelled, or left blank. Multi-parcel bulk deeds and duplicate records are excluded.
ZIP score grades housing; county score adds macro distress (jobs, debt, poverty). They answer different questions.
ZIP 28540→Onslow County, NC
12-Month Direction
-1Stable
Confidence
100%
DeterioratingStableImproving
BuildersLens Market Intelligence
Market Score
45· Weak
Market Score grades housing-market conditions (affordability, valuation, supply). The county Healthy/Moderate/Distressed badge measures economic distress (jobs, debt, poverty) — the two can read differently.
Payment Burden
28.1%
stretched
Source: Freddie Mac PMMS (FRED MORTGAGE30US) 7.4% · Zillow ZHVI · Census income · Updated 2026-10-08
Price-to-rent
15.3x
neutral
Source: Zillow ZHVI ÷ (Zillow ZORI × 12)
Valuation18
+55.4%
overvalued
Source: Lotvox comps · Updated 2026-05-15
Supply/Demand
2.2 mo
seller's market
Source: Redfin Data Center (ZIP): inventory ÷ monthly homes sold · Updated 2026-08-31
Insurance Risk
46/100
moderate
Source: FEMA/NFIP · Updated 2026-04
County distress indicators
ECONOMIC INDICATORS
Economic indicators are mixed relative to comparable U.S. counties.
Unemployment Rate
3.9%
NC 3.5%US 4.4%
Near national averages
Source: BLS LAUS · 2026-0845d ago
Poverty Rate
12.4%
NC 12.9%US 12.6%
Near national averages
Median Household Income
$64,568
NC $71,866US $82,006
Near national averages
Cost of Living (RPP)
93.8
NC 93.8US 100.3
Lower than most U.S. counties
Home Value (ZHVI)$293,313
County data: BLS, Census ACS, CDC, FBI UCR, Federal Reserve, USDA
