Buddy Blake Team · Coldwell Banker Sea Coast Advantage
Market insights: ZIP 28540 · Jacksonville
November 1, 2026
(910) 395‑1000 · buddyblake.com
1 in 6 listings in 28540 didn't sell this past year.
In ZIP 28540, the Jacksonville area, 1,058 listings ended over the last 12 months. Of those, 175 didn't sell, which is 17%, or 1 in 6, up from 12% the year before. Homes that did sell took a typical 23 days, at a median price of $265,000.
Summary written November 1, 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 28540 · Jacksonville over the last 12 months, the solid houses sold. The outlined ones expired or were canceled.
Priced right from day one: sold in a median 14 days. Needed price cuts: 66 days, and sold for 93.4% of the first price.
What waiting costs
| Property taxes | $145 |
| Homeowners insurance | $250 |
| Upkeep | $221 |
| Utilities | $250 |
| Your mortgage payment | if you have one |
| About | $865 + mortgage |
About $865 every month the home sits — plus your mortgage payment.
Listings that didn't sell stayed on the market a median of 85 days — roughly $2,434 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%
203 of about 1,083 before closing
Those homes that later sold
68%
31% never sold
Sold vs. first ask after a fall-through
98.0%
vs. 99.9% on the first contract
Days to sell after a fall-through
60
vs. 18 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 13% · cash 11% · VA 67% · FHA 7%.
If you're selling
- Price it right from day one. Homes priced right from the start sold in a typical 14 days.
- Listings that needed price cuts took a typical 68 days to sell, and sold for a typical 93.3% of asking.
- The $400–500K range is the hardest. 22% of listings there didn't sell.
- Contracts fell apart on 19% of deals, about 1 in 5. From general industry experience, that's most often inspection, appraisal or financing issues, so get the house ready and your numbers lined up early.
If you're buying
- Room to negotiate: 53% of homes sold below their first asking price.
- Homes that sit: listings that never sold had been on the market a median of 85 days, and their median price cut was 1.9%.
- Financing mix: 67% of buyers used VA loans, 13% conventional, 11% cash and 7% FHA.
Did you know?
- Once a contract fell apart, 68% of those homes later sold and 32% never did.
- For a typical home, estimated carrying costs run about $865 a month before mortgage.
- While a home sat unsold, estimated carrying costs ran about $2,434 before mortgage.
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For sellers
Listings that didn't sell
17%
up 4.1 pts from a year ago
174 expired or canceled vs 880 sold
Sold vs. first asking price
99.5%
down 0.5 pts from a year ago
median sale price ÷ original list price
Sold below first asking
53%
share of homes that sold
Price cut on homes that didn't sell
1.9%
median — and they still didn't sell
For buyers
True days on market
23
up 5 days from a year ago
median for sold homes, counted from the first listing
Typical room below first ask
0.5%
how far under the original price homes sold
Didn't sell, then sold on a relist
31%
of listings that didn't sell the first time
Median sold price
$265K
about the same as a year ago
880 homes sold
The last 24 months
16% latest month · Oct 26
35 latest month · Oct 26
98.5% latest month · Oct 26
By starting price
| First asking | Sold | Didn't sell | % didn't sell | True days | Sold vs. first ask |
|---|---|---|---|---|---|
| Under $300K | 542 | 107 | 17% | 21 | 100.0% |
| $300–400K | 282 | 44 | 14% | 29 | 98.9% |
| $400–500K | 34 | 10 | 23% | 32 | 98.2% |
| $500–750K | 19 | 3 | 14% | 8 | 100.0% |
| $750K–1M | 1 | 5 | 83% | 229 | 84.9% |
| $1M+ | 2 | 5 | 71% | 68 | 58.6% |
ZIP 28540 · Jacksonville housing market: quick answers
How long do homes take to sell in ZIP 28540 · Jacksonville?
Homes that sold in ZIP 28540 · Jacksonville over the last 12 months took a median of 23 days, counted from the day they were first listed (relists included). That's up 5 days from a year ago.
What do homes in ZIP 28540 · Jacksonville sell for compared to the asking price?
The median home in ZIP 28540 · Jacksonville sold for 99.5% of its first asking price in the last 12 months, and 53% of the homes that sold went for less than the original price. That's down 0.5 pts from a year ago.
What percentage of homes listed in ZIP 28540 · Jacksonville don't sell?
17% of homes listed in ZIP 28540 · Jacksonville over the last 12 months expired or were canceled without selling — about 1 in 6 (174 didn't sell vs 880 sold). That's up 4.1 pts from a year ago. The homes that didn't sell had already cut their price a median 1.9%.
What is the median sold price in ZIP 28540 · Jacksonville?
The median sold price in ZIP 28540 · Jacksonville over the last 12 months was $265,000, across 880 homes sold. That's about the same as a year ago.
What is my home worth in ZIP 28540 · Jacksonville?
The median home in ZIP 28540 · Jacksonville sold for $265,000 over the last 12 months (880 sales), about the same as the prior 12 months. Your property's value depends on its size, condition, lot and street, and online estimates often disagree by a wide margin. Enter your address under "What's my home worth?" on the homepage to see what's for sale, under contract and sold around you, or call for a price built from the homes that actually compete with yours.
Are home prices in ZIP 28540 · Jacksonville going down?
Not meaningfully. Homes in ZIP 28540 · Jacksonville sold for a median of $265,000 in the last 12 months, about the same as the prior 12 months. Fewer homes sold (880 vs 890), and the median time on the market went from 18 to 23 days. Prices move differently by neighborhood and price range, so check the band your home falls in below.
Where do these ZIP 28540 · Jacksonville housing market numbers come from?
Hive MLS listing and sales records for homes only (land excluded), covering the last 12 months and updated November 1, 2026. The figures refresh from the MLS every hour; "didn't sell" counts only expired and canceled listings. Compiled by Buddy Blake Team, Coldwell Banker Sea Coast Advantage.
Homes only (land excluded), last 12 months unless noted. "Didn't sell" = listings that expired or were canceled — withdrawn and on-hold listings are not counted (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 November 1, 2026. Totals only — no individual listing is shown. Buddy Blake Team · Coldwell Banker Sea Coast Advantage · (910) 395‑1000