How much is a home worth in ZIP code 28540?

The typical home in 28540 is worth $259,113, based on the Zillow Home Value Index.

Are home values rising in 28540?

Home values in 28540 are up 4.0% over the past year, and up 8.4% a year over five years.

What is the typical rent in 28540?

A typical home in 28540 rents for about $1,323 a month, a gross rental yield of 6.1%.

What is the property tax rate in 28540?

The effective property tax rate in 28540 is 0.7% — roughly $1,736 a year on a typical home.

ZIP code 28540 has a population of 49,141 and a median household income of $65,625.

HousingHandbookReference data

…

U.S. ZIP Code · NC28540

Onslow County · Jacksonville, NC

Typical home value

$259,113^[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year: +4.0%
5-year / yr: +8.4%
10-year / yr: +7.6%

Relative price

vs U.S.: -8.8%
vs metro: -6.1%
vs state: -9.0%

Price history

Zillow Home Value Index — monthly, smoothed and seasonally adjusted.

The typical home in 28540 is worth $259,113 — 6.1% below the Jacksonville, NC median. Over the past year, values have risen 4.0%. Homes here rent for a typical $1,323 a month — a 6.1% gross rental yield. The effective property tax rate is 0.7%.

#Rent & investment

Typical asking rent, and the returns it implies at the current home value.

Monthly rent: $1,323^[2]
Gross yield: 6.1%^[2]
Cap rate: 3.7%^[2]

#Property tax

Effective rate — total real estate taxes paid relative to total home value.

Effective tax rate: 0.7%^[3]
Typical annual tax: $1,736^[3]

#Climate risk

FEMA National Risk Index ratings for Onslow County. "Not Applicable" means the hazard does not threaten the county.

Overall risk: Relatively High^[4]
Riverine flood: Relatively Moderate
Coastal flood: Relatively Moderate
Wildfire: Relatively Low
Drought: Relatively Low
Heat wave: Relatively Moderate
Hurricane: Very High
Tornado: Relatively Moderate
Earthquake: Relatively Low
Winter weather: Very High

#Who lives here

Population: 49,141^[3]
Median household income: $65,625^[3]

#Migration

Household moves in and out of Onslow County over a year, from IRS tax-return data.

Net migration: +1,101^[5]
Moved in: 11,323
Moved out: 10,222

Schools

Open public schools in this ZIP, from the NCES Common Core of Data.

Public schools: 16
Elementary: 10
Middle: 3
High: 2

Jacksonville High
High · Grades 9–12 · Onslow County Schools
1,449 students
Southwest Elementary
Elementary · Grades PK–5 · Onslow County Schools
740 students
Southwest High
High · Grades 9–12 · Onslow County Schools
685 students
Northwoods Park Middle
Middle · Grades 6–8 · Onslow County Schools
643 students
Clear View Elementary
Elementary · Grades K–5 · Onslow County Schools
579 students

Run the numbers

Interactive calculators pre-filled with this ZIP's typical home value, rent, and property-tax rate. Edit any field to recompute.

Home value$Monthly rent$

Gross yield6.1%

Net yield (after ~40% expenses)3.7%

Annual rent$15,873

Gross and net yield are estimates based on the inputs and the selected expense ratio. Actual income and expenses will vary by property and market. Not investment advice.

Home price$Down payment%Interest rate%Loan termyears

Monthly payment$1,310

Loan principal$207,291

Down payment$51,823

Total interest paid$264,388

Estimated monthly payments include principal and interest only. Actual costs will include property tax, insurance, possibly PMI, and HOA fees not modeled here. Loan terms shown are estimates; consult a licensed lender for current rates and qualification.

Home price$Monthly rent$Down payment%Mortgage rate%Property tax rate% / yrMaintenance% / yrRule of thumb: 1% of home value per year.

Own : rent ratio1.26

Monthly cost to own$1,671

Monthly rent$1,323

Renting is meaningfully cheaper month-to-month.

This calculator projects multi-year scenarios based on assumptions about appreciation, rent growth, and investment returns — none of which are guaranteed. Actual outcomes depend on variables this tool cannot know. Not financial or real estate advice.

#Metro ranking

Where this ZIP sits among others in its metro area.

Appreciation: 89th percentile^[1]
Rental yield: 50th percentile^[2]
Property tax: 78th percentile^[3]

Frequently asked

How much is a home worth in ZIP code 28540?: The typical home in 28540 is worth $259,113, based on the Zillow Home Value Index.
Are home values rising in 28540?: Home values in 28540 are up 4.0% over the past year, and up 8.4% a year over five years.
What is the typical rent in 28540?: A typical home in 28540 rents for about $1,323 a month, a gross rental yield of 6.1%.
What is the property tax rate in 28540?: The effective property tax rate in 28540 is 0.7% — roughly $1,736 a year on a typical home.
Who lives in 28540?: ZIP code 28540 has a population of 49,141 and a median household income of $65,625.

#Comparable ZIPs

Same metro, nearest typical home value. Each card shows the comparable ZIP's headline numbers so you can scan at a glance.

28546 vs 28540 →
Jacksonville, NC
Typical home
$267,668
Gross yield
6.1%
28454 vs 28540 →
NC
Typical home
$275,704
Gross yield
—
28574
Richlands, NC
Typical home
$276,143
Gross yield
6.8%
28555
Maysville, NC
Typical home
$235,128
Gross yield
—
28539
Jacksonville, NC
Typical home
$284,623
Gross yield
6.3%
28544
Piney Green CDP, NC
Typical home
$201,515
Gross yield
8.5%

Want similar ZIPs from outside this metro? Browse nationally similar ZIPs →

Compare ZIPs

Pit ZIP 28540 against any other ZIP — full side-by-side table.

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#Jump to section

U.S. ZIP Code · NC28540

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