Market Overview
Home Prices in Atlantic, NC
The median home value in Atlantic, NC is $231,808 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 0.1% compared to a year ago and down 0.7% from two years prior.
Compared to the U.S. national median of $410,000, homes in Atlantic are priced43% below average. Atlantic is part of the Morehead City, NC metro area.
Over the past five years, Atlantic home values have risen by approximately35.0%, reflecting strong long-term appreciation in this market.
Price History
Atlantic Home Price Trend
City Comparison
Atlantic vs. National Median
At $231,808, homes in Atlantic cost 43% below the national median of $410,000. This makes Atlantic a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Atlantic?
20% Down Payment
$46,362
on $231,808
Monthly P&I
$1,209/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,535/mo
incl. taxes & insurance
Income Needed
$61,400
gross annual (30% rule)
10% Down Option
$23,181
+ PMI applies
Loan Amount (20% dn)
$185,446
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Atlantic, NC?
The median home value in Atlantic is $231,808 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 0.1% year-over-year.
How much have home prices changed in Atlantic?
Over the past year, home values in Atlantic have increased by 0.1%. Over five years, prices have risen approximately 35.0%.
How much do I need to earn to buy a home in Atlantic?
To comfortably afford the median home price of $231,808 with a 20% down payment ($46,362) at today's rates (6.8%), you'd need a gross annual income of approximately $61,400. This assumes keeping total housing costs at or below 30% of gross income.
How does Atlantic compare to the national average home price?
The national median home value is approximately $410,000. At $231,808, homes in Atlantic are 43% below the national average.
What metro area is Atlantic part of?
Atlantic is part of the Morehead City, NC metropolitan area. Home prices and market conditions can vary across the broader metro region.