Median home value in zip code 28594 (Emerald Isle, NC) is $735,175, up 1.5% year over year. Part of the Morehead City, NC metropolitan area.

Home Value$735,175

YoY Change

+1.5%

Prices rising — worse for buyers.

Affordability

Enter your income for 28594 (Emerald Isle).

Income (annual)

Down Payment

$147,035 on $735,175

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

Out of reach70.1% of income

Need $187,800/yr to afford.

PITI$4,382

P/I70.1%

Afford$294K

Gap-$442K

P&I $3,717Tax $515Ins $150

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

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

Metro Analysis

28594 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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