Market Overview
Home Prices in Ocean Isle Beach, NC
The median home value in Ocean Isle Beach, NC is $538,309 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 2.3% compared to a year ago and up 0.7% from two years prior.
Compared to the U.S. national median of $410,000, homes in Ocean Isle Beach are priced31% above average. Ocean Isle Beach is part of the Myrtle Beach-Conway-North Myrtle Beach, SC-NC metro area.
Over the past five years, Ocean Isle Beach home values have risen by approximately39.6%, reflecting strong long-term appreciation in this market.
Price History
Ocean Isle Beach Home Price Trend
City Comparison
Ocean Isle Beach vs. National Median
At $538,309, homes in Ocean Isle Beach cost 31% above the national median of $410,000. Buyers in Ocean Isle Beach should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Ocean Isle Beach?
20% Down Payment
$107,662
on $538,309
Monthly P&I
$2,807/mo
30-yr @ 6.8%
Total Monthly Est.
~$3,565/mo
incl. taxes & insurance
Income Needed
$142,600
gross annual (30% rule)
10% Down Option
$53,831
+ PMI applies
Loan Amount (20% dn)
$430,647
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 Ocean Isle Beach, NC?
The median home value in Ocean Isle Beach is $538,309 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 2.3% year-over-year.
How much have home prices changed in Ocean Isle Beach?
Over the past year, home values in Ocean Isle Beach have increased by 2.3%. Over five years, prices have risen approximately 39.6%.
How much do I need to earn to buy a home in Ocean Isle Beach?
To comfortably afford the median home price of $538,309 with a 20% down payment ($107,662) at today's rates (6.8%), you'd need a gross annual income of approximately $142,600. This assumes keeping total housing costs at or below 30% of gross income.
How does Ocean Isle Beach compare to the national average home price?
The national median home value is approximately $410,000. At $538,309, homes in Ocean Isle Beach are 31% above the national average.
What metro area is Ocean Isle Beach part of?
Ocean Isle Beach is part of the Myrtle Beach-Conway-North Myrtle Beach, SC-NC metropolitan area. Home prices and market conditions can vary across the broader metro region.