Homes under $400K for sale in Swansboro, NC

As of November 1, 2026, there are 31 homes under $400K for sale in Swansboro, NC, with a middle asking price of $275,000 (from $154,000 to $396,500). 3 came on the market in the last week. Another 5 are under contract.

As of November 1, 2026, the middle asking price is $275,000, about $202 per square foot for a typical 1,352 sq ft. Under $300K: 18; $300K–$500K: 13.

In the 12 months through November 1, 2026, 90 sold at a middle price of $284,000, typically for 96.5% of the first asking price after about 31 days on the market.

In the 12 months through November 1, 2026 they typically sold in about 31 days, at 96.5% of the first asking price.

As of November 1, 2026, The Villages at Swansboro (6), Cabins at Old Horse (5), Hammocks Port Swansboro (2), Silver Creek (2), Swannsborough Acres (2), Pirates Cove Townhouses (2).

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.