Market Overview
Home Prices in Point Harbor, NC
The median home value in Point Harbor, NC is $489,227 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 3.2% compared to a year ago and up 7.2% from two years prior.
Compared to the U.S. national median of $410,000, homes in Point Harbor are priced19% above average. Point Harbor is part of the Virginia Beach-Norfolk-Newport News, VA-NC metro area.
Over the past five years, Point Harbor home values have risen by approximately47.1%, reflecting strong long-term appreciation in this market.
Price History
Point Harbor Home Price Trend
City Comparison
Point Harbor vs. National Median
At $489,227, homes in Point Harbor cost 19% above the national median of $410,000. Buyers in Point Harbor should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Point Harbor?
20% Down Payment
$97,845
on $489,227
Monthly P&I
$2,552/mo
30-yr @ 6.8%
Total Monthly Est.
~$3,241/mo
incl. taxes & insurance
Income Needed
$129,640
gross annual (30% rule)
10% Down Option
$48,923
+ PMI applies
Loan Amount (20% dn)
$391,382
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 Point Harbor, NC?
The median home value in Point Harbor is $489,227 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 3.2% year-over-year.
How much have home prices changed in Point Harbor?
Over the past year, home values in Point Harbor have increased by 3.2%. Over five years, prices have risen approximately 47.1%.
How much do I need to earn to buy a home in Point Harbor?
To comfortably afford the median home price of $489,227 with a 20% down payment ($97,845) at today's rates (6.8%), you'd need a gross annual income of approximately $129,640. This assumes keeping total housing costs at or below 30% of gross income.
How does Point Harbor compare to the national average home price?
The national median home value is approximately $410,000. At $489,227, homes in Point Harbor are 19% above the national average.
What metro area is Point Harbor part of?
Point Harbor is part of the Virginia Beach-Norfolk-Newport News, VA-NC metropolitan area. Home prices and market conditions can vary across the broader metro region.