Zip lookup · NC

28594
Emerald Isle, North Carolina.

Emerald Isle, Carteret County, NC · Morehead City, NC metro · population 3,934

What it costs per month · 28594 $3,996/mo

to buy the typical home at today's mortgage rate — +$2,449 (+158%) since Jan 2020.

What the home itself did
1 year
Up $38,720 +5%
$722,654$761,374 since Sep 2025
5 years
Up $190,369 +33%
$571,005$761,374 since Sep 2021

Monthly payment to buy the typical home

Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.

$1,000 $2,000 $3,000 $4,000 2002 2006 2010 2014 2018 2022 2026 28594 $3,996 United States $1,922
$1,000 $2,000 $3,000 $4,000 2002 2010 2018 2026
  • 28594$3,996
  • United States$1,922

At the last five years' pace, a typical home here doubles in price every 12 years.

Typical home values in zip 28594 rose 5.4% over the past year — faster than the nation's +1.2%.

Zillow also publishes an index for the city itself: Emerald Isle, NC — measured over the city limits, which is a different area from this zip.

Asking rent $2,300 as of Sep 2026
Typical home value $761,374 as of Sep 2026
+5.4%year on year

Asking rent — 28594

Against the Morehead City, NC metro and the national benchmark.

Not enough data to draw this yet.

Typical home value — 28594

Mid-tier homes, smoothed and seasonally adjusted.

$250,000 $500,000 $750,000 2018 2020 2022 2024 2026 28594 $761,374 Morehead City $469,785 United States $366,157
$250,000 $500,000 $750,000 2018 2022 2026
  • 28594$761,374
  • Morehead City$469,785
  • United States$366,157

Within 20 miles

Miles sorted ascending, activate to sort descending Zip activate to sort by Zip City activate to sort by City Population activate to sort by Population Rent activate to sort by Rent Home value activate to sort by Home value
5.9 28584 Swansboro 14,939 $1,771 $401,313
9.4 28582 Stella 1,658 — $380,427
11.7 28570 Newport 22,197 $1,681 $343,326
11.9 28539 Hubert 18,351 $1,499 $283,224
14.6 28512 Atlantic Beach 3,358 $1,658 $609,644
16.6 28544 Midway Park 4,386 $1,338 $200,327
16.9 28532 Havelock 20,908 $1,542 $233,465
16.9 28557 Morehead City 15,253 $1,858 $415,185
18.7 28555 Maysville 5,914 — $235,717

Coordinates and population from SimpleMaps US Zips (Basic). Rent and home values from Zillow Research.