Buddy Blake Team · Coldwell Banker Sea Coast Advantage
Market insights: ZIP 28584 · Swansboro
September 23, 2026
(910) 395‑1000 · buddyblake.ai
In ZIP 28584, 1 in 4 homes listed didn't sell
In the last 12 months, 163 homes finished their time on the market in ZIP code 28584 (Swansboro area): 120 sold and 43 did not — about 1 in 4. The ones that sold took a median of 31 days, counted from the first day listed, and closed at 96.8% of their first asking price.
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 The outlined ones expired, were withdrawn or were canceled.
Priced right from day one: sold in a median 21 days. Needed price cuts: 72 days, and sold for 93.8% of the first price.
What waiting costs
| Mortgage (principal + interest) | $2,113 |
| Property taxes | $218 |
| Homeowners insurance | $250 |
| Upkeep | $333 |
| Utilities | $250 |
| About | $3,160 |
About $3,160 every month the home sits.
Listings that didn't sell stayed on the market a median of 124 days — roughly $12,900 in holding costs, and the home still didn't sell.
An example, not a quote: 20% down, 30-year fixed at 6.95% (Freddie Mac average, 2026-09-17); 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. If your home is paid off, the mortgage line drops out — the rest still adds up.
When contracts fall apart
Contracts that fell apart
19%
29 of about 150 before closing
Those homes that later sold
69%
21% never sold
Sold vs. first ask after a fall-through
95.4%
vs. 97.1% on the first contract
Days to sell after a fall-through
79
vs. 27 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 41% · cash 20% · VA 31% · FHA 7%.
If you're selling
- Homes priced right from day one sold in a median of 21 days. Homes that needed price cuts took 72 days and sold for 93.8% of their first price.
- Price range matters: 32% of homes starting at Under $300K didn't sell, compared with 21% at $500–750K.
- Waiting costs money. A $399,000 home runs about $3,160 a month to hold — roughly $12,900 over the time a typical unsold listing sat.
- About 1 in 5 contracts fell apart before closing. Homes that went back on the market sold for 95.4% of first asking, versus 97.1% for homes that closed on the first contract.
If you're buying
- 73% of homes sold below their first asking price — the first price is often a starting point.
- Homes that sit usually sit for a reason. Listings that didn't sell stayed on the market a median of 124 days.
Did you know?
- 20% of buyers paid cash, and 31% used VA loans.
- A year earlier, 24% of listings didn't sell; now it's 26%.
- When a contract fell apart, 21% of those homes never sold at all.
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
26%
up 2.3 pts from a year ago
43 expired, withdrawn or canceled vs 120 sold
Sold vs. first asking price
96.8%
down 0.4 pts from a year ago
median sale price ÷ original list price
Sold below first asking
73%
share of homes that sold
Price cut on homes that didn't sell
2.0%
median — and they still didn't sell
For buyers
True days on market
31
about the same as a year ago
median for sold homes, counted from the first listing
Typical room below first ask
3.2%
how far under the original price homes sold
Didn't sell, then sold on a relist
23%
of listings that didn't sell the first time
Median sold price
$399K
about the same as a year ago
120 homes sold
The last 24 months
32% latest month · Aug 26
31 latest month · Aug 26
96.7% latest month · Aug 26
By starting price
| First asking | Sold | Didn't sell | % didn't sell | True days | Sold vs. first ask |
|---|---|---|---|---|---|
| Under $300K | 28 | 13 | 32% | 32 | 95.2% |
| $300–400K | 29 | 9 | 24% | 19 | 97.2% |
| $400–500K | 20 | 6 | 23% | 57 | 96.8% |
| $500–750K | 34 | 9 | 21% | 30 | 100.0% |
| $750K–1M | 6 | 3 | 33% | 27 | 96.8% |
| $1M+ | 3 | 3 | 50% | 79 | 86.8% |
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 September 23, 2026. Totals only — no individual listing is shown. Buddy Blake Team · Coldwell Banker Sea Coast Advantage · (910) 395‑1000