Median home value in zip code 28531 (Harkers Island, NC) is $395,669, up 5.1% year over year. Part of the Morehead City, NC metropolitan area.

Home Value$395,669

YoY Change

+5.1%

Prices rising — worse for buyers.

Affordability

Enter your income for 28531 (Harkers Island).

Income (annual)

Down Payment

$79,134 on $395,669

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

Out of reach38.8% of income

Need $104,057/yr to afford.

PITI$2,428

P/I38.8%

Afford$285K

Gap-$110K

P&I $2,001Tax $277Ins $150

6.50% 30yr, 20% down, county tax + NC ins. 28% per HUD.

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

Metro Analysis

28531 is part of the Morehead City, NC metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

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