Jacksonville, NC home prices
Typical home $290,605 · +3.2% in a year · income needed $79,800
The Jacksonville, NC metro area ranks 340 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +3.2% in a year and +38.3% over five years. With 20% down at 7.11%, the typical home costs about $1,863 a month including 0.64% property tax (Onslow County rate).
Mortgage on the typical Jacksonville home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $58,121 | $232,484 | $1,564 | $0 | $299 | $1,863 | $79,800 |
| 10% down | $29,060 | $261,544 | $1,759 | $109 | $299 | $2,168 | $92,900 |
| 5% down | $14,530 | $276,074 | $1,857 | $115 | $299 | $2,271 | $97,300 |
| 3.5% down (FHA) | $10,171 | $285,341 | $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.
Counties in the Jacksonville area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Onslow County, NC | $290,604 | +3.2% | 0.64% |
What can you afford in North Carolina on your salary? · North Carolina home prices · Salaries in North Carolina
Frequently asked questions
How much is a house in Jacksonville?
The typical home in the Jacksonville, NC metro area is worth $290,605 (Zillow, September 2026).
What salary do you need to buy a house in Jacksonville?
About $79,800 a year for the typical home with 20% down at 7.11%.