Sep 2026
$473K
+1.2% year-over-year
How it’s calculated
Rolling 3-month median sale price vs. same 3 months one year prior.
Wilmington, NC housing market
Wilmington, NC metro median sale price $473K in Sep 2026, up 1.2% year over year. Also days on market, price cuts, affordability and ZIP-code figures.
The median sale price in the Wilmington, NC metro is $473K as of Sep 2026, up 1.2% from a year earlier. The gain is smaller than in most of the 383 U.S. metros Pecan Street ranks on this measure. FHFA's repeat-sales index for the metro shows a larger change, up 3.7% through Q2 2026, 2.5 points apart; Price reconciliation below shows both.
Wilmington has the highest median sale price of the 15 North Carolina metros Pecan Street tracks ($473K), ahead of Asheville ($461K). On median days on market, Wilmington (71 days) ranks 5th of the 15 North Carolina metros, between Goldsboro (73 days) and Greenville (66 days). On share of listings with a price cut, Wilmington (39%) ranks 10th of the 15 North Carolina metros, between Jacksonville (39%) and Goldsboro (38%).
Listings spent a median 71 days on market in Sep 2026, more than in most of the 385 metros. 39% of active listings carry a price cut, 0.1 points more than a year earlier. That share is higher than in most of the 385 metros. Median asking prices are roughly level with 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 $2,592 a month; at 28% of gross income, that takes about $111K a year. The median sale price equals about 18 years of HUD Fair Market Rent, a ratio down 1.5% from a year earlier. That ratio is higher than in most of the 373 metros. Active listings ask a median $250 per square foot, down 1.1% from a year earlier.
In nine of the 12 ZIP codes in the table below, median list prices are lower than a year earlier; three are higher.
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
$2,592/mo
$111K/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 Wilmington compares to other U.S. metros
| Asking-vs-sale gap | ↓246th of 292 |
|---|---|
| Days on market | ↑79th of 385 (top 21%) |
| Price-to-rent | ↑82nd of 373 (top 22%) |
| Home-price growth | ↓236th of 383 |
| Price cuts | ↑154th of 385 (top 40%) |
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 | ≈ 18 -1.5% YoY ↑82nd of 373 (top 22%) |
|---|---|
| Asking price / sq ft | $250 -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% +0.1 pts YoY ↑154th of 385 (top 40%) |
|---|
The median asking price $471K is roughly level with the median sale price $473K.
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 | 12 shown of 28 |
|---|---|
| MLS board of record | — |
| Price methodology | Redfin vs FHFA HPI |
| Data as of | Sep 2026 |
Recent signals
No signals flagged for this market right now.
Price reconciliation
amber · 2.5ppRedfin (metro) +1.2% | FHFA HPI · Q2 2026 +3.7% |
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 |
|---|---|---|---|---|---|---|
| 28401 | $376K↓ | 163↑ | 40↑ | 62↑ | 86↓ | $326K↓ |
| 28411 | $600K↓ | 147↓ | 76↑ | 54↓ | 48↓ | $467K↑ |
| 28412 | $435K↓ | 205 | 66↓ | 80↓ | 63↓ | $392K↓ |
| 28422 | $332K↓ | 213↑ | 50 | 92↑ | 79↓ | $332K↑ |
| 28428 | $688K↑ | 188↓ | 26↓ | 38↓ | 92↑ | $602K↑ |
| 28443 | $590K↑ | 212↓ | 62↑ | 96↑ | 67↓ | $495K↑ |
| 28451 | $420K↓ | 424↑ | 128↓ | 156↑ | 65↑ | $373K↓ |
| 28461 | $547K↓ | 358↓ | 120↑ | 120↓ | 68↓ | $515K↓ |
| 28462 | $596K↑ | 167↑ | 32↑ | 64↑ | 89↓ | $470K↑ |
| 28465 | $699K↓ | 232↓ | 58↑ | 74↓ | 84↓ | $606K↑ |
| 28467 | $357K↓ | 362↓ | 116↓ | 124↓ | 75↑ | $339K↑ |
| 28468 | $394K↓ | 173↑ | 48↓ | 56↑ | 79↑ | $427K↑ |
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.