Sep 2026
$318K
+4.1% year-over-year
How it’s calculated
Rolling 3-month median sale price vs. same 3 months one year prior.
Jacksonville, NC housing market
Jacksonville, NC metro median sale price $318K in Sep 2026, up 4.1% year over year. Also days on market, price cuts, affordability and ZIP-code figures.
The median sale price in the Jacksonville, NC metro is $318K as of Sep 2026, up 4.1% from a year earlier. The gain is larger than in most of the 383 U.S. metros Pecan Street ranks on this measure. FHFA's repeat-sales index for the metro agrees within 0.3 points (up 3.8% through Q2 2026).
On median sale price, Jacksonville ($318K) ranks 8th of the 15 North Carolina metros Pecan Street tracks, between Burlington ($326K) and Winston-Salem ($314K). On median days on market, Jacksonville (66 days) ranks 7th of the 15 North Carolina metros, between Greenville (66 days) and Charlotte (64 days). On share of listings with a price cut, Jacksonville (39%) ranks 9th of the 15 North Carolina metros, between Asheville (40%) and Wilmington (39%).
Listings spent a median 66 days on market in Sep 2026, more than in most of the 385 metros. 39% of active listings carry a price cut, 4.1 points more than a year earlier. That share is higher than in most of the 385 metros. Median asking prices sit about 7% above the median sale price.
At the 7.29% 30-year fixed rate with 20% down, principal and interest on a median-priced home come to $1,745 a month; at 28% of gross income, that takes about $75K a year. The median sale price equals about 15 years of HUD Fair Market Rent, a ratio down 7.0% from a year earlier. That ratio is lower than in most of the 373 metros. Active listings ask a median $189 per square foot, up 1.1% from a year earlier.
In four of the seven ZIP codes in the table below, median list prices are higher than a year earlier; three are lower.
Headline
Oct 15, 2026
7.29%
30-year fixed
Where it comes from
National benchmark: Optimal Blue OBMMI 30-year conforming, via FRED. An average of rates borrowers have actually locked, updated daily.
The same rate appears on every market page.
Principal & interest
$1,745/mo
$75K/yr income needed
How it’s calculated
Payment — this market’s median sale price with 20% down, on a 30-year fixed loan at the rate shown. Principal and interest only — no property tax, insurance, PMI or HOA.
Income needed — that payment at 28% of gross income. A rule of thumb, not a lending decision.
How Jacksonville compares to other U.S. metros
| Days on market | ↑108th of 385 (top 29%) |
|---|---|
| Home-price growth | ↑123rd of 383 (top 33%) |
| Price-to-rent | ↓239th of 373 |
| Price cuts | ↑148th of 385 (top 39%) |
| Asking-vs-sale gap | 140th of 292 (top 48%) |
Rank across the U.S. metros Pecan Street tracks, on market data alone — a higher rank means more of that measure (more price cuts, faster price growth, a wider asking-vs-sale gap, a higher price-to-rent ratio, or more days on market). The bar shows where this metro sits within that metric’s own cohort (left is more, right is less); ↑ and ↓ mark the positions furthest from the middle, and rows are ordered the same way. Metrics without data for this metro are omitted.
Affordability
| Price-to-rent ratio | ≈ 15 -7.0% YoY ↓239th of 373 |
|---|---|
| Asking price / sq ft | $189 +1.1% YoY |
Price-to-rent divides the median sale price by the annual HUD Fair Market Rent (a 3-bedroom, 40th-percentile benchmark), so it is a directional rent-vs-buy read, not a cap rate; its year-over-year change is directional in the same way. Asking price per square foot is the median across active for-sale listings (Realtor.com), as of Sep 2026. The bar under a figure places this metro among the U.S. metros we track on that measure, highest first.
Market pressure
| Listings with a price cut | ≈ 39% +4.1 pts YoY ↑148th of 385 (top 39%) |
|---|
The median asking price $340K runs about 7% above the median sale price $318K.
Price-cut share is the portion of active for-sale listings that have taken a price reduction (Realtor.com), as of Sep 2026. Asking is the median list price of active listings (Realtor.com, this month); sale is the headline median of recent closings (Redfin, a rolling 3-month median) — distinct sources and windows, so the gap is a directional read, not a like-for-like difference. The bar under a figure places this metro among the U.S. metros we track on that measure, highest first.
Market facts
| ZIPs with listing data | 7 shown of 11 |
|---|---|
| MLS board of record | — |
| Price methodology | Redfin vs FHFA HPI |
| Data as of | Sep 2026 |
Recent signals
Strength 4 / 5
49 days
Jacksonville homes taking 49 days to sell — +206.2% vs. a year ago
Homes are sitting materially longer than they were this time last year — the first hard sign of softening demand or over-priced inventory.
Price reconciliation
normal · 0.3ppRedfin (metro) +4.1% | FHFA HPI · Q2 2026 +3.8% |
Year-over-year home-price change from two independent methods — Redfin (monthly sold price) and FHFA (quarterly repeat-sales index). When they diverge, the market is mid-shift; cite the figure with that in mind.
More markets in NC
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Try it freeZIP-level data
| ZIP | Median list price | Active listings | New listings | Price reductions | Days on market | Home value |
|---|---|---|---|---|---|---|
| 28445 | $600K↓ | 207↓ | 54↑ | 56↑ | 91↑ | $526K↑ |
| 28460 | $449K↓ | 347↑ | 58↑ | 94↑ | 116↑ | $402K↑ |
| 28539 | $320K↑ | 115↑ | 32↓ | 54↓ | 63↓ | $284K↑ |
| 28540 | $289K↓ | 163↑ | 78↓ | 84↑ | 45↑ | $260K↑ |
| 28546 | $332K↑ | 314↑ | 90↑ | 114↑ | 59↓ | $268K↑ |
| 28555 | $322K↑ | 30 | 8↑ | 6↑ | 89↓ | $236K↑ |
| 28574 | $319K↑ | 81↓ | 28↑ | 32↑ | 50↓ | $276K↑ |
ZIP figures from Realtor.com listing data; home value from Zillow ZHVI. ZIP codes shown have the most complete listing-data history and active for-sale inventory in this metro; the latest available month is shown per ZIP. Arrows show the direction of each figure against the same three months a year earlier; no arrow means the change rounds to zero or the comparison isn't available.