States › North Carolina › Onslow County › ZIP 28544
ZIP code
ZIP 28544
Onslow County · Jacksonville, NC · North Carolina
FHFA notes: The FHFA HPI is a broad measure of the movement of single-family house prices. The FHFA HPI is a weighted, repeat-sales index, meaning that it measures average price changes in repeat sales or refinancings on the same properties. FHFA describes its ZIP code indexes as developmental: they may be revised as new data arrive or methods change, and the index does not give a dollar value for any home.
The federal house price index for ZIP 28544 (Onslow County, North Carolina) runs from 2007 to 2025 and has risen +90.4% over that time, from a base of 100 to 190.
The index did not fall 5% or more from a peak between 2006 and 2012, which is unusual; small samples in a ZIP code can also mask movements.
Building activity is measured at county level: Onslow County authorised 1,986 housing units in the 12 months to August 2026, 9.1 per 1,000 residents, 75% of them single-family.
Same span, five levels
| Change in the FHFA index | ZIP 28544 | Onslow County | Jacksonville area | North Carolina | United States |
|---|---|---|---|---|---|
| 1 year (2024–2025) | +3.3% | +2.9% | +2.9% | +2.5% | +2.8% |
| 5 years (2020–2025) | — | +69.3% | +69.3% | +60.4% | +47.0% |
| 10 years (2015–2025) | — | +108.9% | +108.9% | +106.6% | +85.0% |
| 20 years (2005–2025) | — | +107.4% | +107.4% | +117.3% | +79.1% |
| Since 2000 | — | +176.8% | +176.8% | +159.5% | +158.3% |
| Since 2007 | +90.4% | +69.7% | +69.7% | +93.3% | +67.1% |
| 10-year annualised | — | +7.6% | +7.6% | +7.5% | +6.3% |
| 20-year annualised | — | +3.7% | +3.7% | +4.0% | +3.0% |
Every column uses FHFA's annual all-transactions index family and the same start and end years, so the figures are directly comparable. A dash means the level has no index for that span.
Decade by decade
| Decade | Change | United States | |
|---|---|---|---|
| 2010s (2010–2020) | — | +35.5% |
FHFA reports each index with a value of 100 in its base period, the first year the area has enough transactions (2007 here). A decade's change is the index at the end of the decade divided by the index at the start, so it does not depend on the base year; the United States column covers the same years. Decades before 2007 are not shown.
Peak-to-low declines
Falls of 5% or more from a previous high in the annual index, and the year the earlier peak was regained.
| Peak | Low | Decline | Peak regained |
|---|---|---|---|
| 2009 | 2014 | −21.1% | 2022 |
Building permits in Onslow County
Permits are reported by county and by permit-issuing place, not by ZIP code. Housing units authorised in Onslow County, latest 12 months.
Housing units authorised in Onslow County by month, Sep 2025 to Aug 2026single-family2+ unit buildings
Full permit history and every city in Onslow County
Other ZIP codes in Onslow County
Ranked by ten-year change in the FHFA index.
| ZIP | 1 year | 10 years | Since 2000 | Index through |
|---|---|---|---|---|
| 28555 | +7.6% | +169.9% | — | 2025 |
| 28460 | −0.6% | +155.7% | +319.5% | 2025 |
| 28445 | +2.2% | +140.9% | +302.7% | 2025 |
| 28540 | +8.0% | +112.4% | +167.5% | 2025 |
| 28546 | +4.1% | +109.0% | +156.6% | 2025 |
| 28574 | +2.9% | +84.2% | +140.9% | 2025 |
| 28539 | −1.5% | +82.3% | +179.5% | 2025 |
| 28582 | +13.0% | +17.9% | — | 2021 |
All 9 ZIP codes in Onslow County
Questions and answers
How much have home values in ZIP 28544 risen over 10 years?
FHFA's index for 28544 does not cover a full ten years ending 2025; the change since 2007 is +90.4%.
How does 28544 compare with Onslow County?
Over the same ten years to 2025, Onslow County rose +108.9%, North Carolina +106.6% and the United States +85.0%, against — for the ZIP.
What happened to prices in 28544 after 2007?
The index for 28544 shows no decline of 5% or more from a 2005–2008 peak. Nationally the index fell −21.3% from 2007 to 2012.
How many homes are being built in 28544?
Building permits are published by place and county, not by ZIP. Onslow County authorised 1,986 housing units in the 12 months to August 2026, +50.8% on the previous 12 months. The county page lists permits by month and by city.
Where does the index for this ZIP come from?
From the Federal Housing Finance Agency's annual five-digit ZIP code house price index (all-transactions), last updated March 31, 2026. FHFA labels the ZIP-level indexes developmental: they are calibrated on appraisal values and sales prices for mortgages bought or guaranteed by Fannie Mae and Freddie Mac, and may be revised. The index tracks price changes for the same homes over time; it does not give a dollar value for any home.
Provenance
Index: Federal Housing Finance Agency, annual house price index for five-digit ZIP codes (all-transactions, developmental), last updated March 31, 2026, values 2007–2025, public domain. County, state and national comparison series are FHFA's annual indexes for those levels from the same release. ZIP to county assignment uses the Census Bureau's 2020 ZCTA-to-county relationship file (largest land share); county to metro uses OMB's July 2023 delineations. Permits: Census Bureau Building Permits Survey through August 2026. Errors in processing are corrected at the next build; see corrections. FHFA HPI datasets.