States · North Carolina · Hyde County

Ocracoke, North Carolina.

Typical home $549,276 (+3.6% in a year).

What it costs per month · Ocracoke $2,883/mo

to buy the typical home at today's mortgage rate — +$1,412 (+96%) since Jan 2020.

What the home itself did
1 year
Up $19,255 +4%
$530,020$549,276 since Sep 2025
5 years
Up $109,379 +25%
$439,897$549,276 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 2002 2006 2010 2014 2018 2022 2026 Ocracoke $2,883 North Carolina $1,743 United States $1,922
$1,000 $2,000 $3,000 2002 2010 2018 2026
  • Ocracoke$2,883
  • North Carolina$1,743
  • United States$1,922

At the last five years' pace, a typical home here doubles in price every 16 years.

Typical home values in Ocracoke, NC rose 3.6% over the past year — faster than the nation's +1.2%.

Living in Ocracoke, Hyde County, North Carolina

Ocracoke, in Hyde County, had 797 people in the 2020 census. Unemployment in Hyde County was 4.2% in August 2026, and the county had 3.6% fewer jobs in 2025 than the year before. The most people in Hyde County work in farming, then schools and health care.

People 797 in the 2020 census
Household income Too few homes in Ocracoke for the Census survey to measure.
Unemployment 4.2% Hyde County, August 2026; 5.0% a year before
Homes Too few homes in Ocracoke for the Census survey to measure.

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 It can be wrong or out of date.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. Ocracoke is a small island community on the Outer Banks, home to far fewer people than most towns that carry a name this widely known. Winters are cool rather than harsh, with snow a rare event, and summers are warm. Rain and melted snow come in generous amounts over the year, so the island is a wet place as well as a coastal one.

Work. Many residents work in farming, forestry and mining, in schools, hospitals and social care, in transport, warehouses and utilities, or in shops. Across Hyde County, the schools are the largest workplace, followed by Quality Equipment, a garden power equipment store. The county has seen fewer jobs than a year earlier, and unemployment has eased a little over the past year. Household incomes across the county are modest, while typical home values in town run high.

Things to do. For time outdoors and a look at local history, the nearest options are a longer drive away. Cedar Island National Wildlife Refuge and Swanquarter National Wildlife Refuge are protected areas, good for quiet walks and watching wildlife. The Graveyard of the Atlantic Museum is a museum that tells the story of shipwrecks off this coast, and it also sits a longer drive away.

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What people in Hyde County work in

  • Farming, forestry and mining16%
  • Schools, hospitals and social care14%
  • Transport, warehouses and utilities10%
  • Shops (retail)10%
  • Government10%
  • Banks, insurance and property10%

Employed residents by industry, from the Census survey. Hyde County had 1,705 jobs in 2025, 3.6% fewer than the year before (Bureau of Labor Statistics).

Weather through the year

Average daily high and low for each month: coldest in January, 52° and 40°; warmest in July, 85° and 74° 30° 40° 50° 60° 70° 80° 90° J 52° 40° F M A M J J 85° 74° A S O N D
Average daily high and low for each month: coldest in January, 52° and 40°; warmest in July, 85° and 74° 30° 40° 50° 60° 70° 80° 90° J 52° 40° F M A M J J 85° 74° A S O N D

Coldest in January, with highs near 52° and lows near 40°; warmest in July, with highs near 85° and lows near 74°. About 2 inches of snow and 58 inches of rain and melted snow a year.

Average daily high and low, 1991–2020, at the Ocracoke weather station, 2 miles away (NOAA).

Largest workplaces in Hyde County

  1. Hyde County SchoolsSchool district108FTE
  2. Quality EquipmentGarden power equipment stores20

Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 1 workplace with 20 or more staff, 20 people in all across the county; Ocracoke has none of its own. School districts come from the Common Core of Data (NCES, 2023–24); FTE marks full-time equivalent staff. 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

  1. HurricanesVery high
  2. Coastal floodingVery high
  3. Winter weatherVery high
  4. LightningRelatively high
  5. DroughtRelatively moderate
  6. WildfireRelatively moderate

FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Ocracoke’s census tracts, against the rest of the country; all of them together, very 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 Hyde County.

Ocracoke home values

Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.

$200,000 $300,000 $400,000 $500,000 2018 2020 2022 2024 2026 Ocracoke $549,276 North Carolina $332,159 United States $366,157
$200,000 $300,000 $400,000 $500,000 2018 2022 2026
  • Ocracoke$549,276
  • North Carolina$332,159
  • United States$366,157

Sellers are cutting prices on about 1 in 28 Ocracoke listings — the market is roughly in balance.

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.

JFMAMJJASOND
2026
2025
2024
2023
2022
2021
2020
2019
2018
falling flat warming hot overheating runaway

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.

Not enough data to draw this yet.

Homes for sale

Active for-sale inventory. More supply hands power to buyers.

10 20 30 2018 2019 2020 2021 2022 2023 2024 2025 2026 Ocracoke 19
10 20 30 2018 2022 2026
  • Ocracoke19

New listings per month

Sellers arriving at the market.

2 2 3 2026 Ocracoke 3
2 2 3 2026
  • Ocracoke3

Zip codes with a Ocracoke address

A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Ocracoke — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.

Zillow publishes no zip-level series with this city on the address.