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City · 71,279 residents · Onslow County, North Carolina

Jacksonville , North Carolina

In Jacksonville, a typical home is worth $210,100 and typical rent is $1,321 a month. Compared with all of Onslow County, typical household income is 15% lower, the typical home value is 11% lower, and the share of households that own their home is 25 points lower.

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  • Typical home value

    $210,100

    11% below the county

    27% below North Carolina

    • Jacksonville
    • Onslow
    • North Carolina

  • Typical rent

    $1,321a month

    4% above the county

    8% above North Carolina

    • Jacksonville
    • Onslow
    • North Carolina

  • Typical household income

    $57,697a year

    15% below the county

    20% below North Carolina

    • Jacksonville
    • Onslow
    • North Carolina

  • Households that own their home

    39%

    25 points below the county

    28 points below North Carolina

    • Jacksonville
    • Onslow
    • North Carolina

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$261,539
3.5% more than 12 months ago
Typical rent
$1,421 a month
4% more than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Jacksonville is in Onslow County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Onslow County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Jacksonville apart

What this place has that others do not, from public data, most unusual first.

  1. 39% of households in Jacksonville own their home, against 64% in Onslow County.

  2. According to Zillow, in the 12 months to September 2026 the typical home value in Jacksonville rose 3.5%; in North Carolina, it barely changed.

  3. Nearby, in New Bern, the typical rent is $1,081: 18% less than in Jacksonville ($1,321).

  4. The typical household income in Jacksonville is $57,697, 15% less than in Onslow County as a whole ($68,148).

Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data

The homes here

Housing in Jacksonville

What homes there are in Jacksonville, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

Homes in Jacksonville are varied: detached houses are the largest group, at 49%, against 65% in Onslow County.

Year built

The typical home in Jacksonville was built in 1992, 6 years before the typical one in Onslow County.

Homes in Jacksonville are smaller: 65% have 3 bedrooms or more; in Onslow County, 75%.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

At least 97% of owner-occupied homes in Jacksonville are worth less than $500,000, below the FHA loan limit for Onslow County ($541,287).

Monthly rent with utilities

About 54% of rented homes in Jacksonville cost less than HUD's 2-bedroom fair market rent for Onslow County ($1,319); the rest cost more.

With a mortgage

$1,464 a month

Onslow County: $1,531 a month

Without a mortgage

$571 a month

Onslow County: $495 a month

Owners with a mortgage

66%

Onslow County: 71%

Owning costs about the same in Jacksonville as in Onslow County: with a mortgage, $1,464 a month; without one, $571.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

From 2015–2019 to 2020–2024, the typical home value in Jacksonville rose 36%; in Onslow County, it rose 51%.

The typical rent in Jacksonville rose 33% over the same time; in Onslow County, it rose 27%.

Housing prices ran ahead of income in Jacksonville: typical income rose 28%, against +36% for home values and +33% for rent.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureJacksonvilleOnslow CountyNorth CarolinaUnited States
Rental vacancy 7.5%7.9%7.1%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.3%0.9%
More than one person per room Unreliable estimate2.3%2.2%3.4%
People per household 2.312.482.442.53
Drive alone 54%66%72%69%
Carpool 18%12%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike 14%7%2%3%
Work from home 13%13%16%15%
Other means 1%2%1%2%
Typical commute 10 to 19 minutesUnreliable estimate20 to 29 minutes20 to 29 minutes

Open rentals in Jacksonville look like those in Onslow County: the rental vacancy rate is 7.5%.

Households in Jacksonville are smaller: 2.31 people on average; in Onslow County, 2.48.

Many here get to work on foot or by bike: 14%, more than in Onslow County (7%).

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Jacksonville?

A typical home costs more than the typical income allows

We start with a typical home in Jacksonville, worth $210,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 36% of the typical household income in Jacksonville, which is $57,697 a year. For that payment to be 28% of income, a household would need to earn about $74,306 a year.

The calculator's FHA and conventional loan limits are those of all of Onslow County.

Your numbers

Local data
$

Starts at the typical home value in Jacksonville. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $7,354 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$1,734

at 7.18% · 30 years

Loan amount
$206,294
Total interest
$296,809
Paid off in
November 2056

Includes $3,548 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,346 a month

  • Tight

    $1,346 to $1,731 a month

  • Hard

    more than $1,731 a month

    Your payment · 36%

Compared with the typical household income in Jacksonville ($57,697 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,734
Principal & interest$1,398
Property tax$156
Home insurance$88
FHA mortgage insurance (MIP)$93

You need at least $7,354 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Jacksonville and Onslow County

Jacksonville is in Onslow County, North Carolina. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Jacksonville's own numbers

Typical home value
$210,100
Typical monthly rent
$1,321
Typical yearly household income
$57,697
Households that own their home
39%
Effective property tax rate
0.89%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Onslow County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,319
Price change over 5 years (FHFA)
+69%
Homes in a high flood-risk zone
5%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Onslow County.

Everything about Onslow County

Buying

Buying a home in Jacksonville

A typical home in Jacksonville is worth $210,100: 11% below the county and 27% below North Carolina. With the typical household income in Jacksonville ($57,697 a year), a typical home costs 3.6 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Jacksonville 3.6 years
  • Onslow 3.5 years
  • North Carolina 4.0 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Onslow County

According to FHFA’s house price index, home prices in Onslow County rose 109% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Onslow County.

Period County North Carolina U.S.
Last year (2025) +2.9% +2.5% +2.9%
5 years (2020–2025) +69% +60% +47%
10 years (2015–2025) +109% +107% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Jacksonville next to Onslow County, North Carolina and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Jacksonville $210,100
  • Onslow $236,400
  • North Carolina $288,900
  • United States $332,700
Typical monthly rent
  • Jacksonville $1,321
  • Onslow $1,265
  • North Carolina $1,228
  • United States $1,413
Typical yearly household income
  • Jacksonville $57,697
  • Onslow $68,148
  • North Carolina $72,388
  • United States $80,734
See the full table
Jacksonville next to Onslow County and North Carolina
Measure Jacksonville Onslow County North Carolina U.S.
Typical home value $210,100 $236,400 $288,900 $332,700
Typical monthly rent $1,321 $1,265 $1,228 $1,413
Typical yearly household income $57,697 $68,148 $72,388 $80,734
Households that own their home 39% 64% 67% 65%
Typical yearly property tax $1,870 $1,502 $1,896 $3,119
Effective property tax rate 0.89% 0.64% 0.66% 0.94%
Renters with high rent for their income 56% 51% 49% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Onslow County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Jacksonville

For a typical $210,100 home in Jacksonville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Jacksonville's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,734a month

    Least cash to close
    Down payment
    $7,354
    Cash to close
    $13,657
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $93

  • Conventional, 5% down $1,695a month

    Down payment
    $10,505
    Cash to close
    $16,808
    Rate
    7.18%
    Mortgage insurance
    PMI · $100

  • Conventional, 20% down, no PMI $1,382a month

    Down payment
    $42,020
    Cash to close
    $48,323
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,576a month

    Down payment
    $31,515
    Cash to close
    $37,818
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Jacksonville and for Onslow County.

Property tax

Effective rate in Jacksonville

0.89%of the home’s value each year

$1,870 a year for the typical owner in Jacksonville.

  • Jacksonville 0.89%
  • Onslow 0.64%
  • North Carolina 0.66%

What North Carolina publishes Elderly or Disabled Homestead Exclusion (North Carolina General Assembly (statute))

Exemptions and deadlines in North Carolina

Flood risk in Onslow County

FEMA does not publish these numbers by city: they are for all of Onslow County.

Homes in the high-risk zone
5%
3,491
Of those, with NFIP insurance
73%
County North Carolina U.S.
Homes in the high-risk zone 5% 2.8% 3.5%
Of those, with NFIP insurance 73% 53% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Jacksonville

Typical rent in Jacksonville is $1,321 a month: 4% above the county. In Jacksonville, 56% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Onslow County, by unit size. To pay the 2-bedroom one ($1,319 a month) without spending more than 30% of your income, you would need to earn $25.37 an hour working full time.

HUD fair market rent for all of Onslow County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,067 $20.52 $42,680
1 bedroom $1,073 $20.63 $42,920
2 bedrooms $1,319 $25.37 $52,760
3 bedrooms $1,826 $35.12 $73,040
4 bedrooms $2,205 $42.40 $88,200

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Jacksonville

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Jacksonville has 5 ZIP codes with their own.

For 2 bedrooms it runs from $1,250 in 28540 to $1,870 in 28542.

4 of the 5 are above the fair market rent for Onslow County ($1,319).

  • 28540 $1,250$1,730
  • 28542 $1,870$2,590
  • 28543 $1,530$2,120
  • 28546 $1,360$1,880
  • 28547 $1,580$2,190

3 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Jacksonville when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Jacksonville

HUD lists 21 buildings with rents for lower incomes in Jacksonville. These are the largest.

  • Sandy Run Apartments I and II 116 Coleman Dr, Jacksonville 28546 152 homes, 127 low-income · For families (910) 455-0548
  • Plaza Manor Apartments 133 134-141 Plaza Manor Court, Jacksonville 28540 120 low-income homes · For families (910) 455-1852
  • Meadow Oaks Apartments 138 Meadow Oaks Ct, Jacksonville 28546 100 low-income homes · For older adults (910) 353-1124
  • Wellington Grove 2075 Carolina Park Ave, Jacksonville 28546 88 low-income homes · 1 bd: 8 · 2 bd: 40 · 3 bd: 40 · In service since 2013 · For families
  • Brandywood Acres 281 Liberty Dr, Jacksonville 28546 80 low-income homes · For families (910) 353-1850

See all 27 buildings in Onslow County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Jacksonville

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There is 1 HUD-approved agency with an office in Onslow County; none says it serves in Spanish.

A man leans over the armchair to help a teenage girl with her book.

HUD counseling is free or low-cost

Assistance programs in Jacksonville

No down payment, repair or rent-help program on our list is for Jacksonville or Onslow County. The ones below are statewide in North Carolina: they work in Jacksonville the same as in the rest of the state.

Which programs do I qualify for? All programs in North Carolina

  • NC Home Advantage Mortgage

    Statewide in North Carolina

    NCHFA fixed-rate mortgage with down payment assistance, for first-time buyers and for people who have owned a home before, in North Carolina. Offered by North Carolina Housing Finance Agency (NCHFA).

    Forgivable

    See the program Official page

  • NC 1st Home Advantage Down Payment

    Statewide in North Carolina

    A fixed amount of NCHFA down payment assistance for first-time buyers and veterans in North Carolina. Offered by North Carolina Housing Finance Agency (NCHFA).

    Type not stated

    See the program Official page

  • Community Partners Loan Pool (CPLP)

    Statewide in North Carolina

    NCHFA interest-free loan with deferred payments of up to 25% of the price (maximum $50,000) for the down payment of low- and moderate-income buyers in North Carolina; you apply through a member organization. Offered by North Carolina Housing Finance Agency (NCHFA).

    Deferred

    See the program Official page

Housing counselors near Jacksonville

The HUD-approved agencies closest to the center of Jacksonville, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • City of Jacksonville

    815 New Bridge St, Jacksonville · 2 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 3 more
    (910) 938-6551

  • Cape Fear Regional CDC

    500 Compton St, Wilmington · 45 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 4 more
    (910) 762-7555

  • City of Wilmington

    929 N Front St, Wilmington · 46 miles away · Spanish

    • Mortgage delinquency and default
    • Fair housing pre-purchase workshops
    • and 5 more
    (910) 341-7836

Every agency in Onslow County All counseling agencies in North Carolina

Help in Spanish near Jacksonville

2 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Jacksonville

In HUD’s record, no housing authority with an office in Onslow County is named for Jacksonville or Onslow County.

One other authority has an office in Onslow County: see the list Source: HUD

Cities

Other cities in Onslow County

These cities are also in Onslow County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Onslow County Housing in North Carolina

Nearby cities

The cities closest to Jacksonville, with the typical home value.

Neighboring counties

If Onslow County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Jacksonville.

All guides
A family roasts marshmallows over a campfire at a forest campsite.

Questions

Housing questions about Jacksonville

Short answers with the numbers for Jacksonville and all of Onslow County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Jacksonville?

The typical home value in Jacksonville is $210,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Onslow County it is $236,400.

How much does it cost to rent in Jacksonville?

Typical rent in Jacksonville is $1,321 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Onslow County is $1,319.

What is the FHA loan limit in Jacksonville?

Jacksonville uses the FHA limit for all of Onslow County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Jacksonville?

The typical homeowner in Jacksonville pays $1,870 a year, according to the U.S. Census Bureau. That is 0.89% of the home’s value; in Onslow County, the rate is 0.64%.

Where can I find free help to buy or rent in Jacksonville?

There is 1 HUD-approved counseling agency with an office in Onslow County. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).