Rocky Point, NC—28457
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Rocky Point, NC
As of Oct '25, the median home price in Rocky Point, NC is $372,000, with a year-over-year change of 0.7%. This indicates that home prices in Rocky Point, NC are flat. According to Zillow, the 1-year price projection is 2.1%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $372,000 | 0.7% |
| Single Family | $372,000 | 0.3% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | N/A | N/A |
3 Bed | $356,000 | 0.3% |
4 Bed | $444,000 | 1.4% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Rocky Point, NC
As of July '25, Rentcast reports the average rent in Rocky Point, NC is $2,030, with a year-over-year rent change of -5.6%. Per bedroom, the median rent as of July '25 in Rocky Point, NC is 2-bedrooms: $2,350, 3-bedrooms: $1,870, 4-bedrooms: $2,950. The most common rental property sizes in Rocky Point, NC are 2-bedroom and 3-bedroom, accounting for 52.3% and 40.2% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $2,000 | $2,030 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | $2,350 | $2,350 |
| 3 Bed Rent | $1,900 | $1,870 |
| 4 Bed Rent | $2,950 | $2,950 |
% of Rental Stock
Property Listings — Rocky Point, NC
As of Oct '25, Realtor.com reports that the median days on market for a home in Rocky Point, NC is 47. This is a increase of 20.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 22.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $436,000 | -1.0% |
Listing Count | 54 | 42.0% |
| Listings as % of Homes | 1.7% | 42.0% |
Days on Market | 47 | 20.0% |
Demographics — Rocky Point, NC
As of the latest ACS Survey released in 2023, Rocky Point, NC has a population of 11,100, which has increased by 8.0% over the past 5 years. Rocky Point, NC is a moderately popular place for families, as children make up 24.0% of the population. The area has a poorly educated workforce, with 17.4% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 6.6% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 11,100 | 8.0% |
% Under 18 | 24.0% | 3.9% |
% Seniors | 12.1% | 1.7% |
% WFH | 6.6% | 32.0% |
% w/ College Degree | 17.4% | -13.9% |
As of the latest ACS Survey released in 2023, Rocky Point, NC is a predominantly white area, with 66.6% of the population identifying as white. The white population has shrunk by 2.2% in the last 5 years. The second most common race or ethnicity in Rocky Point, NC is hispanic, making up 17.2% of the population. Foreign-born residents account for 6.2% of the population in Rocky Point, NC, and this percentage has decreased by 12.7% as of the ACS Survey 5 years prior, suggesting fewer immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 66.6% | -2.2% |
% Black | 14.1% | 34.3% |
% Hispanic | 17.2% | -9.0% |
% Asian | 0.2% | 100.0% |
% Foreign Born | 6.2% | -12.7% |
Mortgage and Risk — Rocky Point, NC
According to HUD data as of 2023, there were 151 mortgage originations in Rocky Point, NC, of which 65.0% of loans were conventional mortgages. The average loan-to-value was 71.0%, with 40.0% above 90% LTV (very high). This implies large mortgage risk in Rocky Point, NC. Investor activity is low, as 1.0% of loans were by investors. 9.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 151 |
% Conventional Loans | 65.0% |
% Government Loans | 35.0% |
% Investor Loans | 1.0% |
% Second Loans | 1.0% |
% Cash Out Refinance | 9.0% |
Loan Activity
Rentals and Section 8 — Rocky Point, NC
Rocky Point, NC lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 15 |
Total Units Section 8 | 15 |
% Rentals under Section 8 | 1.7% |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $890 |
| 2 Bedroom | -$1,350 | $2,350 | $1,000 |
| 3 Bedroom | -$490 | $1,900 | $1,410 |
| 4 Bedroom | -$1,310 | $2,950 | $1,640 |
Affordability — Rocky Point, NC
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 5.1 |
| Median Home Price | $372,000 |
| Median Household Income | $66,900 |