Buddy Blake Team · Coldwell Banker Sea Coast Advantage
Market insights: ZIP 28539 · Hubert
October 19, 2026
(910) 395‑1000 · buddyblake.com
Hubert: 63% of buyers used VA loans, and pricing sets the pace
In ZIP code 28539 (Hubert area), 63% of buyers used VA financing over the last 12 months. Of 615 homes that came to an end, 543 sold and 72 didn't, about 1 in 9. The median sold price was $294,000, and the typical home took 33 days to sell.
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 28539 · Hubert 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 The outlined ones expired, were withdrawn or were canceled.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 22 days. Needed price cuts: 69 days, and sold for 93.9% of the first price.
What waiting costs
| Property taxes | $160 |
| Homeowners insurance | $250 |
| Upkeep | $245 |
| Utilities | $250 |
| Your mortgage payment | if you have one |
| About | $902 + mortgage |
About $902 every month the home sits — plus your mortgage payment.
Listings that didn't sell stayed on the market a median of 97 days — roughly $2,888 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
17%
107 of about 650 before closing
Those homes that later sold
77%
19% never sold
Sold vs. first ask after a fall-through
98.4%
vs. 100.0% on the first contract
Days to sell after a fall-through
86
vs. 24 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 16% · cash 10% · VA 63% · FHA 8%.
If you're selling
- Price it right from day one. The 411 homes priced right sold in a median of 21 days. The 132 that needed price cuts took 69 days and sold at 94.0% of asking.
- Under $300K is the tougher range, with 14% of listings not selling. The $400–500K range does best at 6%. If you're under $300K, don't count on buyers overlooking a high price.
- Waiting costs money. On a typical $294,000 home, estimated carrying costs run about $902 a month before the mortgage. An estimated $2,888 in carrying costs before mortgage can pile up while a home goes unsold.
- About 1 in 6 contracts fell apart (17%). The MLS doesn't record why, but in general experience it's most often inspection, appraisal or financing issues. Get ahead of them with repairs and paperwork done early. A first contract took a median of 24 days. After a fall-through, it took 87 days.
If you're buying
- Median sold price was 100.0% of the first asking price, and 49% of homes sold below first ask. Room to negotiate exists, especially on homes that have been sitting.
- Listings that never sold sat a median of 97 days and had only a 1.5% median price cut. A home that sits that long may be priced above what buyers will pay.
- On how buyers paid: 63% used VA loans, 16% conventional, 10% cash and 8% FHA. Cash is not what's winning most deals here.
Did you know?
- Did you know? In 28539, 77% of homes whose contract fell apart later sold, but 19% never sold.
- Did you know? Homes that sold after a contract fell apart went for 98.4% of asking, and the first-contract sales went for 100.0%.
- Did you know? The didn't-sell rate was 12% this year and 12% the year before.
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For sellers
Listings that didn't sell
12%
down 0.3 pts from a year ago
71 expired, withdrawn or canceled vs 543 sold
Sold vs. first asking price
100.0%
about the same as a year ago
median sale price ÷ original list price
Sold below first asking
49%
share of homes that sold
Price cut on homes that didn't sell
1.7%
median — and they still didn't sell
For buyers
True days on market
33
up 3 days from a year ago
median for sold homes, counted from the first listing
Typical room below first ask
0.0%
how far under the original price homes sold
Didn't sell, then sold on a relist
18%
of listings that didn't sell the first time
Median sold price
$295K
up 8.7% from a year ago
543 homes sold
The last 24 months
16% latest month · Sep 26
25 latest month · Sep 26
100.0% latest month · Sep 26
By starting price
| First asking | Sold | Didn't sell | % didn't sell | True days | Sold vs. first ask |
|---|---|---|---|---|---|
| Under $300K | 277 | 44 | 14% | 23 | 100.0% |
| $300–400K | 182 | 18 | 9% | 50 | 100.0% |
| $400–500K | 53 | 3 | 5% | 30 | 100.0% |
| $500–750K | 30 | 3 | 9% | 72 | 96.5% |
| $750K–1M | 1 | 1 | 50% | 53 | 97.6% |
| $1M+ | 0 | 2 | 100% | — | — |
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 19, 2026. Totals only — no individual listing is shown. Buddy Blake Team · Coldwell Banker Sea Coast Advantage · (910) 395‑1000