Buddy Blake Team · Coldwell Banker Sea Coast Advantage
Market insights: ZIP 28584 · Swansboro
October 24, 2026
(910) 395‑1000 · buddyblake.com
1 in 4 Swansboro-area listings didn't sell in the last year
Over the last 12 months in ZIP 28584, 401 listings ended and 301 of them sold. That means 1 in 4 didn't sell, up from 23% the year before. Price and timing made the biggest difference here.
Summary written October 22, 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 28584 · Swansboro 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 18 days. Needed price cuts: 85 days, and sold for 92.9% of the first price.
What waiting costs
| Property taxes | $224 |
| Homeowners insurance | $250 |
| Upkeep | $342 |
| Utilities | $250 |
| Your mortgage payment | if you have one |
| About | $1,069 + mortgage |
About $1,069 every month the home sits — plus your mortgage payment.
Listings that didn't sell stayed on the market a median of 145 days — roughly $5,089 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
18%
65 of about 367 before closing
Those homes that later sold
62%
32% never sold
Sold vs. first ask after a fall-through
94.5%
vs. 97.2% on the first contract
Days to sell after a fall-through
104
vs. 33 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 46% · cash 21% · VA 25% · FHA 6%.
If you're selling
- Price it right from day one. Homes priced right sold in a typical 18 days. Homes that needed price cuts took a typical 85 days.
- Know your price range. Under $300K had the highest didn't-sell rate at 38%. $400–500K had the lowest at 9%.
- Waiting costs money. Listings that never sold had a typical price cut of 2.7% and sat a typical 145 days. Estimated carrying costs for a typical $410,000 home are about $1,069 a month before mortgage.
- 18% of contracts fell apart. Most often that's inspection, appraisal or financing issues, based on general industry experience. Get those sorted before you go under contract.
If you're buying
- There's room to negotiate. 70% of homes sold below their first asking price, and the typical sold price was 96.9% of first ask.
- Some homes sit. Listings that never sold sat a typical 145 days, so you may have time to look carefully.
- Here's how buyers are paying: 46% conventional, 25% VA, 21% cash and 6% FHA.
Did you know?
- The typical home here sold in 42 days.
- The median sold price in ZIP 28584 was $410,000.
- Of homes whose contracts fell apart, 60% later sold and 34% never sold.
Get the ZIP 28584 · Swansboro report every month
The same numbers, updated monthly, straight to your inbox. No spam, one click to stop.
For sellers
Listings that didn't sell
25%
up 1.5 pts from a year ago
99 expired or canceled vs 302 sold
Sold vs. first asking price
96.9%
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
2.6%
median — and they still didn't sell
For buyers
True days on market
43
up 9 days from a year ago
median for sold homes, counted from the first listing
Typical room below first ask
3.1%
how far under the original price homes sold
Didn't sell, then sold on a relist
14%
of listings that didn't sell the first time
Median sold price
$410K
up 6.5% from a year ago
302 homes sold
The last 24 months
30% latest month · Sep 26
37 latest month · Sep 26
97.4% latest month · Sep 26
By starting price
| First asking | Sold | Didn't sell | % didn't sell | True days | Sold vs. first ask |
|---|---|---|---|---|---|
| Under $300K | 68 | 42 | 38% | 34 | 96.1% |
| $300–400K | 60 | 18 | 23% | 28 | 97.2% |
| $400–500K | 70 | 6 | 8% | 49 | 97.7% |
| $500–750K | 80 | 20 | 20% | 57 | 97.2% |
| $750K–1M | 15 | 7 | 32% | 85 | 93.6% |
| $1M+ | 9 | 6 | 40% | 131 | 88.2% |
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 October 24, 2026. Totals only — no individual listing is shown. Buddy Blake Team · Coldwell Banker Sea Coast Advantage · (910) 395‑1000