ZIP 28539

28539 is one of 13 ZIP codes that lie mostly in Onslow County, NC.

Shaded by typical home value, it ranks 4 of the 10 with a value.

1 school location in 28539: 1 elementary.

In alphabetical order: Sand Ridge Elementary. Locations only — no ratings are shown here.

In June 2006 the typical home in 28539 was worth $145,950.

Values peaked at $285,009 in May 2026. The latest reading is the peak.

As of August 2026: $284,939, +3.4% over twelve months.

Start with the typical home: $284,939. Put 20% down and borrow $227,951 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,578 a month in principal and interest.

The median household here earns $61,280 a year, $5,107 a month. So the payment takes 30.9% 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 15.8% in 2006.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in June 2006 (6.68%) the payment was $752.

In December 2020, with rates at 2.68%, it was $608.

By August 2026, at 6.67%, it was $1,466 — +141% since December 2020, while the home's value moved +52%.

Reported values rose +95% since June 2006.

General prices (CPI-U) rose +66% over the same span.

Divide one by the other: in August 2026 dollars, the 2006 home was worth $241,657. So the real change is +18%, not +95%.

28539: +95% since June 2006.

Onslow County: +104% since June 2006.

North Carolina: +105% since June 2006 — 28539 ran behind it by 10 points.

Owning the typical home costs about $1,863 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,517 a month.

Price divided by a year's rent: 15.7. 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 59 a month (Redfin, 3-month rolling data through August 2026). That is 130% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 147. That is 68% of the 2015–2019 level for the same months.

Going out — closed sales: about 52 a month. That is 136% of the 2015–2019 level for the same months.

The ladder: homes for sale ÷ monthly sales = 2.8 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 7 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 52 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 30 — so sales ran at 173% of it, and below it in 3 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: 147 in June 2026.

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