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Emerald Isle town, NC

ZIP 28594 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 28594

Median Home Value
$563,600
Median Rent
$1,434
Affordability Snapshot
$155,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,620/mo PITI).

19%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

6.3x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

32.8 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 28594 in Emerald Isle town, NC, a household would need roughly $155,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $3,620. That is about 73% above the local median household income ($89,432), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 73% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
83.1%+27% vs US avg
x
Vacancy Rate
73.3%+611% vs US avg
x
Broadband Access
96.3%+11% vs US avg
x
4+ Bedrooms
8.0%-46% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
1.3%-81% vs US avg
x
Rent Burden >30%
14.6%-71% vs US avg
x
Mortgage-Free
51.3%+34% vs US avg
x
$563,600
Home Value
$1,434
Rent
1989
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached60.1%
  • 1-unit attached13.1%
  • 2-9 units5.8%
  • 10+ units7.9%
  • Mobile home & other13.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$563,600
Median rent$1,434
Owner-occupied83.1%
Vacant73.3%
Price-to-income6.3x
Est. income to buy$155,000