The story of this market
The typical home in ZIP 28445 sells for about $532,372, or $215 per square foot.
Prices are up +1.9% from a year ago, so sellers still have some momentum. Homes take about 64 days to sell, which is slow. HUD's fair market rent for a two-bedroom is $1,151 a month.
ZIP 28445 — Surf City
The 28445 housing market is showing steady appreciation with a balanced supply of inventory. Demand remains supported by the regional military presence and ongoing migration to the North Carolina coast, though rising interest rates have moderated the pace of sales compared to previous years.
This ZIP is well-suited for military families, commuters seeking a balance between Wilmington and Jacksonville, and buyers looking for coastal-adjacent living at a lower price point than the immediate Wilmington urban core.
Median prices moved up 1.9% year over year.
Homes spend a median of 64 days on market with 4.1 months of supply — a balanced-paced market.
22% of listings have cut prices · homes sell at 97.2% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 0.9% · poverty 3.4% — a stable, low-distress profile.
Researched annual trajectory for this ZIP, from published historical series
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 10.6%/yr trend — a deterministic estimate, not a published forecast or guarantee.
Median annual property tax paid on this ZIP's residential parcels
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 10.8%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
net influx — more people moved in than out
ZCTA 28445, Onslow County NC
ACS 2024 5-year estimates. Aggregate published statistics for this ZIP — never individual records, and never an attribute of any individual property or resident.
Crime rates in the Holly Ridge area are generally lower than the national average, with property crime being the most frequently reported incident type.
Schools serving the area are part of the Onslow County School District, which maintains a generally stable performance rating across its elementary and middle school campuses.
The area is subject to coastal wind and storm surge risks associated with Atlantic hurricane activity, necessitating standard flood insurance coverage for many residential properties.
Economic momentum is driven by proximity to Camp Lejeune and the broader Wilmington regional expansion, with steady residential development occurring along the Highway 17 corridor.
Property taxes are assessed by Onslow County and the Town of Holly Ridge, with rates determined by the combined municipal and county millage applied to the assessed fair market value.
Commuters primarily utilize Highway 17 for access to Jacksonville to the north or Wilmington to the south, with average commute times reflecting the regional reliance on personal vehicles.
Residents have access to local parks, proximity to the Intracoastal Waterway for boating and fishing, and are within a short drive of Topsail Island beaches.
The rental market is influenced by military personnel turnover and demand for coastal housing, resulting in relatively low vacancy rates and consistent rent growth.
The local economy is heavily anchored by the military presence at Camp Lejeune, supplemented by retail, construction, and tourism-related services.
Transportation is almost exclusively automobile-dependent, with Highway 17 serving as the primary arterial route for the region.
Development is focused on new residential subdivisions and supporting commercial retail centers along the main highway corridors.
Onslow County utilizes a cyclical reappraisal process to ensure property assessments align with current market values.
Parcels are subject to Onslow County property taxes and may fall within specific fire and utility service districts.
Property insurance premiums are elevated due to coastal wind and flood risk, with many properties requiring specialized coverage.
North Carolina continues to experience positive net domestic migration, driven by retirees and remote workers relocating to coastal and urban centers.
North Carolina is a judicial foreclosure state, requiring court intervention to complete the foreclosure process.
Sellers are required to provide a Residential Property and Owners' Association Disclosure Statement to buyers at or before the time an offer is made.
Data retrieved from data.census.gov ZCTA-level tables.
Public schools whose reported address is in this area (NCES). Not attendance boundaries — schools that serve residents may sit outside it. Check the district's address locator for assignment.
- Altitude Trampoline Park4.217.1 mi
- Jacksonville Paintball & Airsoft Park4.612.2 mi
- Cracked It Escape Games4.917.2 mi
- XIT Rooms - Escape Game Room & Family Amusement Center4.98.4 mi
- High Tides & Good Vibes4.47.7 mi
- Golden Corral Buffet & Grill4.317.8 mi
- Gus' Country Rock Club417 mi
- Olde Point Country Club3.813.9 mi
- Roller City4.314.7 mi
- The Limelight of Jacksonville4.213.7 mi
- Surf City Ocean Pier, Inc.4.78.8 mi
- Topsail Aquarium4.78.7 mi
- Soundside Park4.88.5 mi
- Hampstead Kiwanis Park4.711.7 mi
- Onslow Pines Park4.712.5 mi
- Zing Zumm, Children's Museum of Jacksonville4.715.2 mi
- Surf City Coffee4.88.7 mi
- Beirut Memorial4.915.2 mi
- Carolina Decor & More4.67.8 mi
- Shadewell4.914.7 mi
- Soundside Park4.88.5 mi
- Hampstead Kiwanis Park4.711.7 mi
- Onslow Pines Park4.712.5 mi
- North Topsail Beach Town Park4.78.2 mi
- Beach Access #44.88.2 mi
- New River Marina4.511.8 mi
- Marsh Creek at Scotts Hill Marina4.420 mi
- Pelagic Hunter Fishing Center (New River Marina)4.710.2 mi
- Harbour Village4.512.8 mi
- Bear Trail Golf Club4.611.1 mi
- North Shore Golf Course4.36.7 mi
- Ironclad Golf4.112.6 mi
- Publix Super Market at Arboretum at Surf City4.67.1 mi
- Harris Teeter4.57.9 mi
- Downeast Marketplace4.310.3 mi
- Surf City Crab4.78.5 mi
- Midgett & Son's Crab Company4.87.8 mi
- Wilmington International Airport4.328.9 mi
- Albert J Ellis Airport4.219.5 mi
Theme parks, venues, golf, airports, museums, water and shopping across the area from Google Maps, ranked by popularity within the radius shown.
Public beach access points serving the local community.
Community park featuring playgrounds and walking trails.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.