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ZIP Code · NC

ZIP 28584

Pop. 14,939·Carteret County·24th most expensive ZIP in North Carolina
Median rent (all units)
$2,035/mo
Year-over-Year
Stable
Month-over-Month
+0.7%
vs US Median
+$70
Rising (Monthly)
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Most AffordableMost Expensive
ZIP 28584 · $2,035
More expensive than 62% of US ZIP codes · National median $1,965/mo
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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

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Last updated: July 20, 2026

Annual cost
$24,420/yr
At $2,035/mo median
Location
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
46
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.

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Local insights

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About renting in ZIP 28584

Last updated: July 20, 2026

ZIP code 28584 covers Swansboro, NC. The median rent here is $2,035/mo as of July 2026. A 1-bedroom rents for a median of $1,140/mo. A 2-bedroom rents for a median of $1,470/mo.

At 28% 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 is rent in ZIP code 28584?

As of July 20, 2026, the median monthly rent in ZIP 28584 (Swansboro, NC) is $2,035. This is based on aggregated data from public sources and community submissions.

How does ZIP 28584 rent compare to the US average?

ZIP 28584's median rent of $2,035/mo is $70 (4%) above the US national median of $1,965/mo.

How does ZIP 28584 compare to other ZIPs in North Carolina?

ZIP 28584 is one of the pricier ZIP codes in North Carolina, ranking #24 out of 227 ZIPs tracked at $2,035/mo.

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 $81,000/year (~$39/hour full-time) to afford the median rent of $2,035/mo in ZIP 28584. The local median household income is $87,414/yr, meaning the typical household meets that threshold.

Is rent going up or down in ZIP 28584?

Rent in ZIP 28584 has been relatively stable over the past year, with a 0.0% change year over year as of July 20, 2026.

Is ZIP 28584 an affordable place to rent?

ZIP 28584 is considered affordable for renters. At $2,035/mo, rent takes approximately 28% of the local median household income ($87,414/yr). The standard benchmark is 30%. ZIP 28584 falls comfortably within that range.

What percentage of ZIP 28584 residents rent vs. own?

According to Census data, approximately 19.9% of ZIP 28584 households are renters, while 80.1% are owner-occupied. ZIP 28584 leans toward homeownership, which can mean a smaller rental inventory.

When was rent data for ZIP 28584 last updated?

Rent data for ZIP 28584 reflects July 20, 2026. RentDataNow refreshes all data monthly using public and private datasets.
Income Affordability
28%
AFFORDABLE

At $2,035/mo, rent takes ~28% of ZIP 28584's median household income ($87,414/yr). The standard benchmark is 30%.

ZIP 28584 28%Benchmark 30%
State income tax4.5%
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Schools nearby

Public schools near ZIP 28584 (Swansboro, NC)

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