ZIP 28584

28584 is one of 17 ZIP codes that lie mostly in Carteret County, NC — 72% of its own area is in the county.

Shaded by typical home value, it ranks 6 of the 15 with a value.

5 school locations in 28584: 3 elementary, 1 middle, 1 high.

In alphabetical order: Queens Creek Elementary, Swansboro Elementary, Swansboro High, Swansboro Middle, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 28584 was worth $128,601.

Values peaked at $402,393 in May 2026. The latest reading is −0.2% from that peak.

As of August 2026: $401,413, +1.4% over twelve months.

Start with the typical home: $401,413. Put 20% down and borrow $321,130 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,223 a month in principal and interest.

The median household here earns $81,574 a year, $6,798 a month. So the payment takes 32.7% 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 10.5% in 2000.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in January 2000 (8.21%) the payment was $770.

In December 2020, with rates at 2.68%, it was $872.

By August 2026, at 6.67%, it was $2,065 — +137% since December 2020, while the home's value moved +49%.

Reported values rose +212% since January 2000.

General prices (CPI-U) rose +97% over the same span.

Divide one by the other: in August 2026 dollars, the 2000 home was worth $253,807. So the real change is +58%, not +212%.

28584: +212% since January 2000.

Carteret County: +230% since January 2000.

North Carolina: +156% since January 2000 — 28584 ran ahead of it by 56 points.

Owning the typical home costs about $2,625 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,688 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.

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 31 a month (Redfin, 3-month rolling data through August 2026). That is 87% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 129. That is 85% of the 2015–2019 level for the same months.

Going out — closed sales: about 35 a month. That is 94% of the 2015–2019 level for the same months.

The ladder: homes for sale ÷ monthly sales = 3.7 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 4 more homes sold than came on each month, so inventory is shrinking. The basin is draining.

Homes sold: about 35 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 26 — so sales ran at 135% of it, and below it in 12 of the last 24 months.

Across Carteret County, builders pulled permits for 471 new homes in 2025.

Of those, 99% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Carteret County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 972 moved in. Among the ten receiving the most, 888 moved out.

Net across those counties: +84 households. Beside it, homes for sale in this ZIP: 129 in June 2026.

Most arrivals came from Craven, NC (288 households); most departures went to Craven, NC (318).