Area data
Havelock, NC — ZIP 28532
Population: 20,908 (Census ACS)
The median home value in ZIP 28532 (Havelock, NC) is $237,437 — up 2.9% over the past year. Homes sell for a median $257,500 after a median 60.5 days on market. Typical rent runs $1,384/month. 9 schools serve the area (NCES). FEMA's National Risk Index rates the county's overall natural-hazard risk Relatively Moderate, with hurricane, winterweather, lightning the top-rated hazards. Cost of living is 7.5% below the US average (BEA, metro/state-level).
$237,437
Median home value
+2.9%
1-year change
60.5
Median days on market
Relatively Moderate
Hazard risk (county)
Home values & appreciation
- Median home value
- $237,437
- 1-year appreciation
- +2.9%
- 3-year appreciation
- +13.8%
- 5-year appreciation
- +44.7%
- 10-year appreciation
- +89.3%
- All-time peak (2026-03)
- $237,679
- House Price Index (state)
- 438.2 (+1.0% YoY)
Sources: home value index (ZIP-level) · FHFA House Price Index (state-level)
Market activity
- Median sale price
- $257,500
- Median list price
- $275,000
- Median price per sqft
- $170
- 1-year sale-price change
- +3.6%
- Median days on market
- 60.5 days
- Homes sold (recent period)
- 58
- For-sale inventory
- 65
- Sale-to-list ratio
- 98.7%
- Active listings
- 71
- 1-year forecast
- +3.0%
- Days to pending
- 36 days
- New listings (monthly)
- 26
Source: recent area sales and market data (ZIP-level)
Rents
- Typical rent
- $1,384/mo
- 1-year rent change
- +1.5%
- Studio fair-market rent
- $908/mo
- 1BR fair-market rent
- $1,135/mo
- 2BR fair-market rent
- $1,308/mo
- 3BR fair-market rent
- $1,700/mo
- 4BR fair-market rent
- $1,962/mo
Sources: market rent index (ZIP-level) · HUD Fair Market Rents (metro/county-level, 40th-percentile regulatory reference)
Affordability
- Cost of living index (Below Average)
- 92.5 (100 = US avg)
- Electricity rate (state-level)
- 14.0¢/kWh
- Natural gas rate (state-level)
- $16.40/MCF
- 30-year mortgage rate (national)
- 6.66%
- 15-year mortgage rate (national)
- 6.00%
Sources: BEA Regional Price Parities (metro/state-level) · EIA energy rates (state-level) · Freddie Mac PMMS (national)
Schools
- Total schools
- 9
- Elementary schools
- 5
- Middle schools
- 2
- High schools
- 2
- Schools include
- Graham A Barden Elementary, Havelock High, Havelock Middle, Tucker Creek Middle, Havelock Elementary
Source: NCES school directory, 2022-23 (school-address-based)
Natural hazards & flood risk
- Overall hazard risk (county)
- Relatively Moderate
- Top hazards (county)
- hurricane, winterWeather, lightning, heatWave, iceStorm
- Notable hazard ratings (county)
- coastalFlooding: Relatively Low · coldWave: Relatively Low · drought: Relatively Low · hail: Relatively Low · heatWave: Relatively Moderate · hurricane: Very High
- FEMA flood zone
- AE
- Flood risk level
- High
- Wildfire risk to homes (county)
- Higher than 64% of US counties
- Buildings in wildfire direct-exposure zone
- 63.0%
- Radon potential (county)
- Low radon potential — EPA Zone 3 of 3
- EPA Superfund (NPL) sites within 5 mi
- 1
- Nearest Superfund site
- Cherry Point Marine Corps Air Station (0.3 mi)
Sources: FEMA National Risk Index (county-level) · FEMA flood data (ZIP-level) · USDA Forest Service Wildfire Risk to Communities (county-level) · EPA radon zones + Superfund NPL
Climate (30-year normals)
- Average annual temperature
- 65.0°F
- Average high
- 75.0°F
- Average low
- 55.0°F
- Annual precipitation
- 58.4 in
- USDA plant hardiness zone
- 8b (extreme annual low 15 to 20°F)
Sources: NOAA Climate Normals (30-year, nearest-station) · USDA Plant Hardiness Zone Map (2023)
Walkability & transit
- Walkability index
- 7.3 / 20
- Transit service frequency
- -99,999
- Jobs reachable by car (30 min)
- 2,931
- Jobs reachable by transit (45 min)
- 3,427
Source: EPA Smart Location Database (metropolitan block groups)
Amenities
- National parks within ~60 mi
- 1
- Nearest national park
- Cape Lookout National Seashore (31 mi)
- Airports within 30 mi
- 17
- Nearest airport
- Cherry Point MCAS / Cunningham Field/ (1 mi)
- Nearest major airport
- Cherry Point MCAS / Cunningham Field/ (1 mi)
- Hospitals nearby (~15 mi)
- 2
- Hospitals include
- CAROLINA EAST MEDICAL CENTER, CARTERET GENERAL HOSPITAL
- Avg hospital rating (CMS)
- 2.0 / 5
- Best hospital rating nearby (CMS)
- 3.0 / 5
- Solar radiation rating
- Fair (4.5 kWh/m²/day)
Sources: National Park Service · FAA airport data · CMS hospital data · DOE/NREL (proximity-based)
Migration
- Net migration (county)
- +556 tax filers
Source: IRS county-to-county migration data (county-level, ~12-month lag)
Housing stock
- Median year housing built
- 1,990
- Housing built before 1970
- 16.5%
- Housing built 2000 or later
- 36.2%
- Median annual property tax
- $1,637
- Mean commute to work
- 23 min
- Households with broadband internet
- 73.8%
Source: Census ACS 5-year estimates (ZIP-level)
Employment & development
- Total county employment
- 27,974
- Average weekly wage
- $919
- Top industries (by employment)
- Health Care, Accommodation & Food, Professional Services
- Annual residential building permits (county)
- 288
Sources: BLS QCEW (county-level) · Census Building Permits (county-level)
How it compares
| ZIP 28532 | State median | US median | |
|---|---|---|---|
| Median home value | $237,437 | $287,250 | $289,727 |
| Median sale price | $257,500 | $330,000 | $325,000 |
| Median days on market | 61 days | 70 days | 51 days |
| Typical rent | $1,384/mo | $1,686/mo | $1,808/mo |
| Median annual property tax | $1,637 | $1,366 | $2,006 |
State and US medians are computed across all US ZIP codes with sufficient public-data coverage, from the same sources as the figures above.
Area data compiled from public government, academic, and industry research feeds. Data sources →
Common questions
- What is the median home value in ZIP 28532?
- $237,437.
- What is the median sale price in ZIP 28532?
- $257,500.
- How long do homes take to sell in ZIP 28532?
- Median days on market: 60.5 days.
- What is typical rent in ZIP 28532?
- Typical rent: $1,384/month.
- What is the natural-hazard risk in ZIP 28532?
- Overall risk: Relatively Moderate (FEMA NRI, county-level). Top hazards: hurricane, winterWeather, lightning, heatWave, iceStorm.
- Is ZIP 28532 in a flood zone?
- High (FEMA NFIP). FEMA flood zone AE.
- What is the wildfire risk in ZIP 28532?
- Risk to homes is higher than 64% of US counties (USDA Forest Service Wildfire Risk to Communities, county-level).
- What is the radon potential in ZIP 28532?
- Low radon potential — EPA Zone 3 of 3, county-level. EPA recommends testing every home regardless of zone.
- Are there Superfund sites near ZIP 28532?
- 1 current or proposed National Priorities List site within 5 miles (EPA). Nearest site: Cherry Point Marine Corps Air Station, 0.3 mi.
- How many schools serve ZIP 28532?
- 9 schools (5 elementary, 2 middle, 2 high) (NCES, 2022-23).
- Is ZIP 28532 walkable?
- Walkability index: 7.3/20 (EPA Smart Location Database).
- What is the cost of living in ZIP 28532?
- Regional Price Parity: 92.5 (100 = US average) (Below Average) (BEA RPP, metro/state-level).
Nearby ZIP codes
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Data last updated
Most recent source refresh: Sep 2026. See all data sources →