ZIP Code · NC

ZIP 28584

Part of Swansboro, NC

Pop. 14,939·Carteret County·76th most expensive ZIP in North Carolina

Median rent (all units)

$1,771/mo

Year-over-Year

Stable

Month-over-Month

-0.7%

vs US Median

-$161

Reported rents

Falling (Monthly)

Be the first to discuss 28584 rents ↓

Most AffordableMost Expensive

ZIP 28584 · $1,771

More affordable than 53% of US ZIP codes · National median $1,932/mo

Rent check

Is your rent fair?

Compare your rent to the local median.

Medians by bedroom

Rent by unit size

Studio

$1,130

1 BR

$1,140

2 BR

$1,470

3 BR

$1,950

4 BR+

$2,430

Research median

$1,470/mo

Bedroom estimates are gross rents that include essential utilities (electricity, water, gas, sewer, trash).

Rent trends

12-month history

Loading…

Last updated: October 17, 2026

From the history

What the numbers show

What a typical income covers

30% of the median household income ($87,414) is $2,185 a month. That covers HUD's Fair Market Rent for up to a 3-bedroom ($1,950); a 4-bedroom is $2,430.

Cheaper nearby

ZIP 28539, 8 miles away, rents for 15% less ($1,499/mo), about $3,300 a year in savings.

From Zillow's monthly rent index (ZORI) for ZIP 28584. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.

Annual cost

$21,252/yr

At $1,771/mo median

Location

CitySwansboro

StateNC

CountyCarteret County

Rent Market Meter

Balanced Market

Renter's MarketBalancedLandlord's Market

Rents are roughly steady, with neither renters nor landlords holding a strong edge right now.

Based on rent-price momentum (+0.0% YoY, -0.7% MoM), not inventory.

Demographics

Who lives here

ZIP 28584 (Swansboro, NC) is majority owner-occupied, has a large retiree population, 33.4% of residents hold a bachelor's degree or higher.

Population

14,939

Median income

$87,414

Median age

Renters

19.9%

Age distribution

21.7%

12.5%

28.1%

13.3%

24.4%

Under 1821.7%

18–3412.5%

35–5428.1%

55–6413.3%

65+24.4%

Gender

48.6%

51.4%

Male48.6%

Female51.4%

Race & ethnicity

88%

White88%

Black2.4%

Hispanic4.3%

Asian1.4%

Other3.9%

Education (25+)

24.4%

35%

33.4%

No HS diploma7.3%

HS diploma24.4%

Some college35%

Bachelor's+33.4%

Housing tenure

80.1%

19.9%

Owner80.1%

Renter19.9%

Source: U.S. Census Bureau · ACS 2024 5-Year Estimates

2021 vs 2026

How ZIP 28584 in Swansboro, NC has changed in 5 years

Income

$68,344 → $87,414

up 27.9%

Population

14,231 → 14,939

up 5.0%

Renter share

24.6% → 19.9%

-4.7 pts

Bachelor's+

35.5% → 33.4%

-2.1 pts

Median age

42.8 → 46

+3.2 yrs

On the earnings side, the typical household in ZIP 28584 in Swansboro, NC now reports about $87,414, up from $68,344 in 2021. Census counts show ZIP 28584 in Swansboro, NC adding about 708 residents over the five-year window, up 5.0% on net. The renter share has eased from 24.6% to 19.9%, with owner-occupied housing accounting for the remainder. Bachelor's-degree-or-higher attainment moved from 35.5% to 33.4% across the same window.

Community

Discussions about ZIP 28584

No discussions yet. Start the conversation.

Local insights

Tips for renters in ZIP 28584

About renting in ZIP 28584

Last updated: October 17, 2026

ZIP code 28584 covers Swansboro, NC. The median rent here is $1,771/mo as of October 2026. A 1-bedroom rents for a median of $1,140/mo. A 2-bedroom rents for a median of $1,470/mo.

At 24% of local median household income ($87,414/yr), ZIP 28584 ranks as affordable compared to the national benchmark of 30%. Rent prices have stayed steady over the past year.

FAQ

Frequently asked questions

How much income do you need to rent in ZIP 28584?

To keep rent at or below 30% of gross income, you would need to earn at least $71,000/year (about $34/hour full-time) to afford the median rent of $1,771/mo in ZIP 28584. The local median household income is $87,414/yr, so the typical household meets that bar.