ZIP 28555 vs ZIP 28544

28555 is one of 13 ZIP codes that lie mostly in Onslow County, NC — 51% of its own area is in the county.

Shaded by typical home value, it ranks 9 of the 10 with a value.

2 school locations in 28555: 2 elementary.

In alphabetical order: Maysville Elementary, Silverdale Elementary. Locations only — no ratings are shown here.

28544 is one of 13 ZIP codes that lie mostly in Onslow County, NC.

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

In September 2005 the typical home in 28555 was worth $103,678.

Values peaked at $235,643 in May 2026. The latest reading is −0.1% from that peak.

As of August 2026: $235,459, +5.3% over twelve months.

Start with the typical home: $235,459. Put 20% down and borrow $188,367 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,304 a month in principal and interest.

The median household here earns $71,250 a year, $5,938 a month. So the payment takes 22.0% of income — rated “affordable” (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 9.7% in 2005.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in September 2005 (5.77%) the payment was $485.

In December 2020, with rates at 2.68%, it was $488.

By August 2026, at 6.67%, it was $1,211 — +148% since December 2020, while the home's value moved +56%.

Reported values rose +127% since September 2005.

General prices (CPI-U) rose +68% over the same span.

Divide one by the other: in August 2026 dollars, the 2005 home was worth $174,256. So the real change is +35%, not +127%.

28555: +127% since September 2005.

Onslow County: +121% since September 2005.

North Carolina: +115% since September 2005 — 28555 ran ahead of it by 12 points.

Owning the typical home costs about $1,540 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $993 a month.

Price divided by a year's rent: 19.8. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In July 2005 the typical home in 28544 was worth $95,801.

Values peaked at $203,299 in May 2026. The latest reading is −0.4% from that peak.

As of August 2026: $202,575, +1.4% over twelve months.

Start with the typical home: $202,575. Put 20% down and borrow $162,060 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,122 a month in principal and interest.

The median household here earns $49,449 a year, $4,121 a month. So the payment takes 27.2% of income — rated “affordable” (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 12.9% 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 $445.

In December 2020, with rates at 2.68%, it was $488.

By August 2026, at 6.67%, it was $1,042 — +113% since December 2020, while the home's value moved +34%.

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 $164,239. So the real change is +23%, not +111%.

28544: +111% since August 2005.

Onslow County: +122% since August 2005.

North Carolina: +116% since August 2005 — 28544 ran behind it by 5 points.

Owning the typical home costs about $1,325 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,388 a month.

Price divided by a year's rent: 12.2. 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 11 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 38.

Going out — closed sales: about 13 a month.

The ladder: homes for sale ÷ monthly sales = 3.0 months of supply — below the 4–6 month range Lotvox treats as balanced. In the basin, that is the water level against the shaded balanced band.

The net reading: about 2 more homes sold than came on each month, so inventory is shrinking. The basin is draining.

Homes sold: about 13 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 5 — so sales ran at 260% of it, and below it in 0 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).

Homes sold: about 4 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 4 — so sales ran at 100% of it, and below it in 6 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: 38 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: 16 in June 2026.

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