Buddy Blake Team · Coldwell Banker Sea Coast Advantage
Market insights: ZIP 28445 · Holly Ridge
October 20, 2026
(910) 395‑1000 · buddyblake.com
In 28445, 1 in 4 listings ended without a sale
In ZIP code 28445 (Holly Ridge area), 835 homes ended their listings in the last 12 months. 607 sold and 228 didn't, a 27% rate that was 25% the year before. The typical home that sold took 46 days and went for 97.6% of its first asking price, with a median sold price of $439,000.
Summary written October 14, 2026 from that day's numbers. The figures in the tiles update every hour, so they can differ slightly.
Which pile do you want to be in?
Out of every 20 homes listed in ZIP 28445 · Holly Ridge over the last 12 months, the solid houses sold. The outlined ones expired, were withdrawn or were canceled.
Priced right from day one: sold in a median 20 days. Needed price cuts: 96 days, and sold for 93.7% of the first price.
What waiting costs
| Property taxes | $240 |
| Homeowners insurance | $250 |
| Upkeep | $366 |
| Utilities | $250 |
| Your mortgage payment | if you have one |
| About | $1,108 + mortgage |
About $1,108 every month the home sits — plus your mortgage payment.
Listings that didn't sell stayed on the market a median of 127 days — roughly $4,601 in taxes, insurance, upkeep and utilities alone, and the home still didn't sell.
An example, not a quote: Onslow County rate 0.655 per $100 (NC Department of Revenue, 2025-26 county rates); town taxes add more inside town limits; insurance, upkeep (1% of value a year) and utilities are typical estimates.
When contracts fall apart
Contracts that fell apart
19%
143 of about 742 before closing
Those homes that later sold
64%
34% never sold
Sold vs. first ask after a fall-through
95.1%
vs. 97.9% on the first contract
Days to sell after a fall-through
145
vs. 36 on the first contract
The MLS doesn't record why a contract ends. In our experience the most common reasons are home inspection findings, appraisals that come in below the price, and buyer financing. How buyers paid on closed sales: conventional 42% · cash 20% · VA 30% · FHA 5%.
If you're selling
- Price it right from day one. The 341 homes priced right sold in a typical 21 days. The 266 that needed price cuts took 96 days and sold at 93.7% of asking.
- Late, small cuts don't rescue a listing. Homes that never sold sat a median 127 days, and their median price cut was only 1.8%. Waiting also costs money. For a typical $439,000 home, estimated carrying costs run about $1,108 a month before mortgage, or about $4,601 while a home sits unsold.
- Some price ranges struggle more than others. In $1M+, 42% of listings didn't sell. In $300–400K, it was 11%. The higher your price, the more precise your first price needs to be.
- About 1 in 5 contracts (19%) fell apart. Most often the cause is inspection, appraisal or financing issues, from general industry experience. Get ahead of them with repairs, documents and a realistic price before you go under contract. A first contract that holds sold at 97.9% of asking in a typical 36 days.
If you're buying
- You have room to negotiate. 70% of homes sold below their first asking price, and the typical sale came in at 97.6% of it.
- Homes that sit are the ones to watch. Listings that never sold sat a median 127 days. Homes that needed price cuts and did sell went for 93.7% of asking.
- Here's how others are paying: 42% conventional, 30% VA, 20% cash and 5% FHA.
Did you know?
- Did you know? When a contract fell apart, 66% of those homes later sold, at 95.0% of asking. 33% never sold.
- Did you know? A home that sold on its first contract took a typical 36 days. After a contract fell apart, it took 138 days.
- Did you know? In the $300–400K range, only 11% of listings ended without a sale. In $1M+, it was 42%.
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For sellers
Listings that didn't sell
28%
up 3.0 pts from a year ago
230 expired, withdrawn or canceled vs 599 sold
Sold vs. first asking price
97.6%
about the same as a year ago
median sale price ÷ original list price
Sold below first asking
71%
share of homes that sold
Price cut on homes that didn't sell
1.8%
median — and they still didn't sell
For buyers
True days on market
47
up 14 days from a year ago
median for sold homes, counted from the first listing
Typical room below first ask
2.4%
how far under the original price homes sold
Didn't sell, then sold on a relist
25%
of listings that didn't sell the first time
Median sold price
$436K
down 9.9% from a year ago
599 homes sold
The last 24 months
34% latest month · Sep 26
44 latest month · Sep 26
97.6% latest month · Sep 26
By starting price
| First asking | Sold | Didn't sell | % didn't sell | True days | Sold vs. first ask |
|---|---|---|---|---|---|
| Under $300K | 80 | 29 | 27% | 38 | 98.2% |
| $300–400K | 179 | 23 | 11% | 37 | 97.7% |
| $400–500K | 77 | 23 | 23% | 45 | 98.3% |
| $500–750K | 105 | 40 | 28% | 47 | 97.4% |
| $750K–1M | 74 | 50 | 40% | 59 | 97.4% |
| $1M+ | 84 | 65 | 44% | 84 | 94.7% |
Homes only (land excluded), last 12 months unless noted. "Didn't sell" = listings that expired, were withdrawn or were canceled (some owners stop for reasons that have nothing to do with the market); true days on market counts from the first listing, even when a home was relisted. Source: Hive MLS listing and sales records, updated October 20, 2026. Totals only — no individual listing is shown. Buddy Blake Team · Coldwell Banker Sea Coast Advantage · (910) 395‑1000