Onslow County, North Carolina home prices
Typical home $290,604 · +3.2% in a year · property tax 0.64%
The typical home in Onslow County is worth $290,604, 13% less than the North Carolina typical home ($332,159). Values changed +3.2% in the past year and +38.3% over five years. Homeowners here pay a median 0.64% of their home's value in property tax each year ($1,846 on the typical home), versus 0.64% statewide.
Mortgage on the typical Onslow County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $58,121 | $232,483 | $1,564 | $0 | $299 | $1,863 | $79,800 |
| 10% down | $29,060 | $261,543 | $1,759 | $109 | $299 | $2,168 | $92,900 |
| 5% down | $14,530 | $276,073 | $1,857 | $115 | $299 | $2,271 | $97,300 |
| 3.5% down (FHA) | $10,171 | $285,340 | $1,920 | $129 | $299 | $2,347 | $100,600 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.64% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
What it takes: see what you can afford by salary in North Carolina · part of the Jacksonville metro area.
North Carolina counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Alamance County | $290,921 | +1.0% | 0.62% |
| Catawba County | $291,519 | +1.1% | 0.58% |
| Harnett County | $292,371 | +0.1% | 0.69% |
| Lee County | $287,872 | -0.0% | 0.74% |
| Gaston County | $295,114 | -0.2% | 0.75% |
| Perquimans County | $284,977 | +7.5% | 0.59% |
| Pamlico County | $282,239 | +6.0% | 0.56% |
| Hoke County | $281,415 | +0.1% | 0.67% |
| Forsyth County | $281,187 | +0.4% | 0.79% |
| Stanly County | $302,546 | +2.3% | 0.57% |
Frequently asked questions
What is the average home price in Onslow County, NC?
The typical home value in Onslow County is $290,604 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Onslow County?
About $79,800 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Onslow County?
The median effective rate is 0.64% of home value a year (Census ACS 2024 5-year estimates).