Homes under $400K for sale in Harkers Island, NC

As of October 21, 2026, there are 9 homes under $400K for sale in Harkers Island, NC, with a middle asking price of $287,000 (from $161,500 to $399,000). 1 came on the market in the last week. Another 1 is under contract.

As of October 21, 2026, the middle asking price is $287,000, about $248 per square foot for a typical 1,300 sq ft. Under $300K: 5; $300K–$500K: 4.

In the 12 months through October 21, 2026, 8 sold at a middle price of $277,500, typically for 95.7% of the first asking price after about 30 days on the market.

In the 12 months through October 21, 2026 they typically sold in about 30 days, at 95.7% of the first asking price.

A mortgage payment has two parts: principal and interest, which depend on the price, your down payment and the rate a lender offers you; and the costs on top — property taxes, homeowners insurance (and flood insurance near the water), HOA dues where there's an association, and mortgage insurance if you put less than 20% down. Each home's page has a calculator that uses the rate you've been quoted and that home's own taxes and HOA dues from the listing. For your actual rate and Annual Percentage Rate (APR), ask a licensed lender — we can introduce you to Joey Milam at Alpha Mortgage Advantage, or you're free to choose any lender.