The median home in Wilmington, North Carolina is valued at $406,726, down 1.1% year over year. Typical monthly rent is $1,661, producing a price-to-rent ratio of 20.4x — well above the national average of 18x. Wilmington is part of the Wilmington, NC metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$406,726

-1.1%

Rent$1,661/mo

Prices falling — better for buyers.

Affordability

Enter your income for Wilmington.

Income (annual)

Down Payment

$81,345 on $406,726

Example: $75,000 household income. Change it above to see your own.

Out of reach39.9% of income

Need $106,757/yr to afford.

PITI$2,491

P/I39.9%

Afford$286K

Gap-$121K

P&I $2,057Tax $285Ins $150

Renting $830/mo cheaper ($1,661 rent)6.50% 30yr, 20% down, county tax + NC ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in North Carolina

Compare Wilmington with other housing markets across North Carolina.

Wrightsville Beach$1.64M Bald Head Island$1.36M Cashiers$1.34M Marvin$1.23M Weddington$1.04M Highlands$1.02M Duck$978K Topsail Beach$927K

Full Wilmington, NC analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Wilmington, NC metro.

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