Market Overview
Home Prices in North Topsail Beach, NC
The median home value in North Topsail Beach, NC is $526,822 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 0% compared to a year ago and down 2.7% from two years prior.
Compared to the U.S. national median of $410,000, homes in North Topsail Beach are priced28% above average. North Topsail Beach is part of the Jacksonville, NC metro area.
Over the past five years, North Topsail Beach home values have risen by approximately36.5%, reflecting strong long-term appreciation in this market.
Price History
North Topsail Beach Home Price Trend
City Comparison
North Topsail Beach vs. National Median
At $526,822, homes in North Topsail Beach cost 28% above the national median of $410,000. Buyers in North Topsail Beach should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in North Topsail Beach?
20% Down Payment
$105,364
on $526,822
Monthly P&I
$2,748/mo
30-yr @ 6.8%
Total Monthly Est.
~$3,490/mo
incl. taxes & insurance
Income Needed
$139,600
gross annual (30% rule)
10% Down Option
$52,682
+ PMI applies
Loan Amount (20% dn)
$421,458
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 North Topsail Beach, NC?
The median home value in North Topsail Beach is $526,822 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 0% year-over-year.
How much have home prices changed in North Topsail Beach?
Over the past year, home values in North Topsail Beach have increased by 0%. Over five years, prices have risen approximately 36.5%.
How much do I need to earn to buy a home in North Topsail Beach?
To comfortably afford the median home price of $526,822 with a 20% down payment ($105,364) at today's rates (6.8%), you'd need a gross annual income of approximately $139,600. This assumes keeping total housing costs at or below 30% of gross income.
How does North Topsail Beach compare to the national average home price?
The national median home value is approximately $410,000. At $526,822, homes in North Topsail Beach are 28% above the national average.
What metro area is North Topsail Beach part of?
North Topsail Beach is part of the Jacksonville, NC metropolitan area. Home prices and market conditions can vary across the broader metro region.