Market Overview
Home Prices in Topsail Beach, NC
The median home value in Topsail Beach, NC is $966,472 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 1.6% compared to a year ago and up 1.1% from two years prior.
Compared to the U.S. national median of $410,000, homes in Topsail Beach are priced136% above average. Topsail Beach is part of the Wilmington, NC metro area.
Over the past five years, Topsail Beach home values have risen by approximately39.4%, reflecting strong long-term appreciation in this market.
Price History
Topsail Beach Home Price Trend
City Comparison
Topsail Beach vs. National Median
At $966,472, homes in Topsail Beach cost 136% above the national median of $410,000. Buyers in Topsail Beach should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Topsail Beach?
20% Down Payment
$193,294
on $966,472
Monthly P&I
$5,041/mo
30-yr @ 6.8%
Total Monthly Est.
~$6,402/mo
incl. taxes & insurance
Income Needed
$256,080
gross annual (30% rule)
10% Down Option
$96,647
+ PMI applies
Loan Amount (20% dn)
$773,178
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 Topsail Beach, NC?
The median home value in Topsail Beach is $966,472 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 1.6% year-over-year.
How much have home prices changed in Topsail Beach?
Over the past year, home values in Topsail Beach have increased by 1.6%. Over five years, prices have risen approximately 39.4%.
How much do I need to earn to buy a home in Topsail Beach?
To comfortably afford the median home price of $966,472 with a 20% down payment ($193,294) at today's rates (6.8%), you'd need a gross annual income of approximately $256,080. This assumes keeping total housing costs at or below 30% of gross income.
How does Topsail Beach compare to the national average home price?
The national median home value is approximately $410,000. At $966,472, homes in Topsail Beach are 136% above the national average.
What metro area is Topsail Beach part of?
Topsail Beach is part of the Wilmington, NC metropolitan area. Home prices and market conditions can vary across the broader metro region.