ZIP 28445 vs ZIP 28460

28445 is one of 13 ZIP codes that lie mostly in Onslow County, NC — 91% of its own area is in the county.

Shaded by typical home value, it ranks 1 of the 10 with a value.

4 school locations in 28445: 3 elementary, 1 high.

In alphabetical order: Coastal Elementary, Dixon Elementary, Dixon High, Surf City Elementary. Locations only — no ratings are shown here.

28460 is one of 13 ZIP codes that lie mostly in Onslow County, NC.

Shaded by typical home value, it ranks 2 of the 10 with a value.

1 school location in 28460: 1 middle.

In alphabetical order: Dixon Middle. Locations only — no ratings are shown here.

In July 2005 the typical home in 28445 was worth $250,680.

Values peaked at $528,306 in August 2026. The latest reading is the peak.

As of August 2026: $528,306, +2.9% over twelve months.

Start with the typical home: $528,306. Put 20% down and borrow $422,645 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,926 a month in principal and interest.

The median household here earns $89,250 a year, $7,438 a month. So the payment takes 39.3% of income — rated “severe” (Lotvox ZIP bands: under 28% affordable · 28–36% stretched · 36%+ severe).

The line holds today's rate fixed and moves only the price: at that rate, the same share was 18.7% in 2005.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in July 2005 (5.70%) the payment was $1,163.

In December 2020, with rates at 2.68%, it was $1,095.

By August 2026, at 6.67%, it was $2,718 — +148% since December 2020, while the home's value moved +56%.

Reported values rose +111% since July 2005.

General prices (CPI-U) rose +71% over the same span.

Divide one by the other: in August 2026 dollars, the 2005 home was worth $429,759. So the real change is +23%, not +111%.

28445: +109% since August 2005.

Onslow County: +122% since August 2005.

North Carolina: +116% since August 2005 — 28445 ran behind it by 7 points.

Owning the typical home costs about $3,455 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,902 a month.

Price divided by a year's rent: 23.1. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In July 2005 the typical home in 28460 was worth $218,521.

Values peaked at $403,018 in August 2026. The latest reading is the peak.

As of August 2026: $403,018, +1.6% over twelve months.

Start with the typical home: $403,018. Put 20% down and borrow $322,414 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,232 a month in principal and interest.

The median household here earns $86,180 a year, $7,182 a month. So the payment takes 31.1% of income — rated “stretched” (Lotvox ZIP bands: under 28% affordable · 28–36% stretched · 36%+ severe).

The line holds today's rate fixed and moves only the price: at that rate, the same share was 16.9% in 2005.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in July 2005 (5.70%) the payment was $1,014.

In December 2020, with rates at 2.68%, it was $870.

By August 2026, at 6.67%, it was $2,073 — +138% since December 2020, while the home's value moved +50%.

Reported values rose +84% since July 2005.

General prices (CPI-U) rose +71% over the same span.

Divide one by the other: in August 2026 dollars, the 2005 home was worth $374,626. So the real change is +8%, not +84%.

28460: +83% since August 2005.

Onslow County: +122% since August 2005.

North Carolina: +116% since August 2005 — 28460 ran behind it by 33 points.

Owning the typical home costs about $2,635 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,933 a month.

Price divided by a year's rent: 17.4. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

Picture the Listings Flow Ladder as a basin: new listings pour in from the faucet, the homes for sale are the water, and closed sales run out the drain. Coming in — new listings: about 61 a month (Redfin, 3-month rolling data through August 2026). That is 97% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 228. That is 77% of the 2015–2019 level for the same months.

Going out — closed sales: about 56 a month. That is 105% of the 2015–2019 level for the same months.

The ladder: homes for sale ÷ monthly sales = 4.1 months of supply — inside the 4–6 month balanced range. In the basin, that is the water level against the shaded balanced band.

The net reading: about 5 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 56 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 40 — so sales ran at 140% of it, and below it in 10 of the last 24 months.

Across Onslow County, builders pulled permits for 1,372 new homes in 2025.

Of those, 96% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

Picture the Listings Flow Ladder as a basin: new listings pour in from the faucet, the homes for sale are the water, and closed sales run out the drain. Coming in — new listings: about 66 a month (Redfin, 3-month rolling data through August 2026). That is 91% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 366. That is 99% of the 2015–2019 level for the same months.

Going out — closed sales: about 62 a month. That is 93% of the 2015–2019 level for the same months. The drain is drawn 10% narrower: the share of homes for sale that sell each month is 90% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 5.9 months of supply — inside the 4–6 month balanced range. In the basin, that is the water level against the shaded balanced band.

The net reading: about 4 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 62 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 57 — so sales ran at 109% of it, and below it in 9 of the last 24 months.

Across Onslow County, builders pulled permits for 1,372 new homes in 2025.

Of those, 96% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Onslow County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 2,202 moved in. Among the ten receiving the most, 2,033 moved out.

Net across those counties: +169 households. Beside it, homes for sale in this ZIP: 228 in June 2026.

Most arrivals came from San Diego, CA (455 households); most departures went to San Diego, CA (392).

This ZIP sits in Onslow County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 2,202 moved in. Among the ten receiving the most, 2,033 moved out.

Net across those counties: +169 households. Beside it, homes for sale in this ZIP: 366 in June 2026.

Most arrivals came from San Diego, CA (455 households); most departures went to San Diego, CA (392).