Havelock, North Carolina.
Typical home $233,516 (+2.3% in a year), asking rent $1,542 (+3.1%). New Bern, NC metro.
to buy the typical home at today's mortgage rate — +$717 (+141%) since Jan 2020.
- 1 year
- Up $5,342 +2%
- $228,174$233,516 since Sep 2025
- 5 years
- Up $70,762 +43%
- $162,754$233,516 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.
- Havelock$1,226
- North Carolina$1,743
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 10 years.
Typical home values in Havelock, NC rose 2.3% over the past year — faster than the nation's +1.2%.
Asking rents in Havelock, NC rose 3.1% over the past year — faster than the nation's +2.7%.
Owning the typical home in Havelock runs $55/mo more than renting one. The gap peaked at $191 in Oct 2023.
That is $1,597 a month against $1,542 rent: a $1,226 mortgage payment, plus $122 property tax and $250 insurance & upkeep.
Owning vs renting — Havelock
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$1,597
- Renting$1,542
- Mortgage only$1,226
Property tax · $122/mo 0.63% of value a year — the ACS 2020-2024 median bill over the median home value for Craven County, NC
Insurance & upkeep · $250/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Living in Havelock, Craven County, North Carolina
Havelock is a city of 16,621 people in Craven County. Half its households earn more than $58,408 a year and half less, against $65,873 across Craven County; 14% of its people live below the poverty line. 41% of its homes are lived in by their owners and 59% are rented. Unemployment in Craven County was 3.8% in August 2026, and the county had 1.1% fewer jobs in 2025 than the year before. The most residents work in shops, then schools and health care.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Havelock is a small city in Craven County with a very young population, far younger than most places in the country. Most homes are rented rather than lived in by their owners, and household incomes run below the county's. Winters are mild and brief, with snow rare, while summers are hot and the year brings a good deal of rain.
Work. Many residents work in shops, in schools, hospitals and social care, in restaurants and hotels, or in government. Walmart, the City of Havelock and UPS are among the largest workplaces in town. Few people work from home, and the typical commute is short.
Things to do. Croatan National Forest and the Newport River are both a short drive away, offering woodland and water close to home. For a longer outing, Bogue Banks is a beach on the coast, and Tryon Palace is a museum a longer drive off.
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- 6,000households
- 19%of adults have a degree
- 14%below the poverty line
- 18 mintypical commute
- 3%work from home
What residents work in
Employed residents by industry, from the Census survey. Craven County had 40,422 jobs in 2025, 1.1% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 57° and lows near 36°; warmest in July, with highs near 90° and lows near 73°. About 1 inches of snow and 57 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Cherry Point Mcas weather station, a mile away (NOAA).
Largest workplaces in Havelock
- WalmartWarehouse clubs and supercenters265
- City of HavelockCity and town councils160
- UPSCouriers and express delivery services136
- City of Havelock - Police/Telecommunications/Animal ControlPolice departments72
- Food LionGrocery stores66
- Tandemloc, Inc- 824 Fontana BlvdFabricated structural metal manufacturing52
- Principle LTCNursing homes38
- HavelockMail and parcel delivery30
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 9 workplaces with 20 or more staff, 841 people in all. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- HurricanesVery high
- Winter weatherVery high
- Lightningrelatively high in parts of HavelockRelatively moderate
- Heat wavesRelatively moderate
- Strong windRelatively moderate
- Inland floodingRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Havelock’s census tracts, against the rest of the country; all of them together, relatively high. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Craven County and the New Bern, NC metro.
Havelock home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Havelock$233,516
- North Carolina$332,159
- United States$366,157
Levy by levy, and a check of one home’s own bill, the site covers Ohio’s property tax.
Sellers are cutting prices on about 1 in 4 Havelock listings, and the typical home goes pending in 21 days — the market is heating up.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Havelock26.01%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Havelock21
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Havelock67
New listings per month
Sellers arriving at the market.
- Havelock23
Median sale price
What buyers actually paid — closed sales, not asking prices.
Not enough data to draw this yet.
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
Not enough data to draw this yet.
Zip codes with a Havelock address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Havelock — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.