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Cost of living, pay and housing

34.49° N · 77.44° W · GEOID 3747845

North Topsail Beach

Onslow County, North Carolina · part of the Jacksonville, NC metro

Limited data population under 5,000

North CarolinaNorth Topsail Beach, NCNorth Topsail BeachNorth Topsail Beach

The short answer

North Topsail Beach is home to 784 people. Median household income is $121,250 a year and median rent is $1,268 a month, 12.5% of income (a ratio of two medians, not any one household's burden). Rent pressure is lighter than in most places. The median home is valued at $473,600, about 3.9x annual median household income.

Median gross rent
$1,268
7% below the median place
Median household income
$121,250
51% above the median place
Median home value
$473,600
48% above the median place
Unemployment
5.4%
10% above the median place

Compared with the median of the 6,645 places we track. The bundle was checked 2026-11-14; each measure may refer to an older release.

What stands out about North Topsail Beach

  • Between the 2019 and 2024 surveys, household income rose 16.1% a year while rent rose 1.6%, so pay gained on rent more than in 99% of the 2,476 places under 10,000 people we track. It is the 2nd-lowest of 160 North Carolina places.
  • 85% of homes stand vacant, more than in 99% of places its size. It is the highest of 134 North Carolina places.
  • 43% of workers mostly work from home, more than in 99% of places its size. It is the highest of 148 North Carolina places.
  • Households average 1.88 people, smaller than in 97% of places its size. It is the 3rd-lowest of 161 North Carolina places.
  • The median resident is 60.5 years old, older than in 98% of places its size.

Rent is light relative to pay, but the county has a FEMA natural hazard risk score of 95 out of 100. Budget for insurance before counting the savings.

01

Moving to North Topsail Beach

Onslow County gains about 5.4 residents per 1,000 a year to moves between counties.

Moved in21,806
Moved out20,930
Net+876

Where people come from and where they go, top counties

Within North Carolina, other states or abroad

Arrivals
Leavers
Within North CarolinaOther statesAbroad

Income per tax return

Arrivals$54K
Leavers$53K

People on tax returns who moved between counties, from IRS migration data, 2022 to 2023. Figures are for all of Onslow County; flows under 20 returns are not published.

Who moves here
13.1% of residents arrived from another county in the past year, 8.6% from another state.
Who arrives and who leaves
Households moving into Onslow County report $53,900 a year in income on average; those leaving, $52,500.
Income you would need
$50,700 a year to rent the median home at the 30% line. From your city
Rent or buy
Median rent is $1,268 a month; owners with a mortgage pay $2,418 a month including taxes and insurance, on a median home of $473,600.
Getting to work
35 minutes each way on average; 43.4% work from home.
If it is close but not quite
Fernandina Beach, FL matches it on character. Compare the two
Moved from another state1
8.6%
333% above the median place
Moved here in the past year1
13.1%
128% above the median place
Income of households moving out8
$52,540
25% below the median place
All 5 moving measures
MeasureNorth Topsail BeachAmong 6,645 placesVs median
Moved here in the past year113.1%128% above
Moved from another state18.6%333% above
Net movers per 1,000 people8County figure5.4above (median -0.6)
Income of households moving in8County figure$53,90024% below
Income of households moving out8County figure$52,54025% below
02

What it costs to live here

Vacant homes is 85.1%, above the median place (median 7.1%).

North Topsail Beach12.5%
Typical place20.4%

Share of the median household income that goes to the median rent. Above 30% is the usual stress line.

Income needed to rent
$50,720
a year, at the 30% line
Rent to income
12.5%
39% below the median place
Home price to income
3.9x
3% above the median place

Could you afford it?

The median rent would take
13%
comfortably under the 30% line
Left after rent, in US prices
$110,000
a year
Vs the typical household here
Same
as the median household

Uses the median rent in North Topsail Beach, $1,268 a month, and local prices for everything else (96.2 against a US average of 100). It runs in your browser and stores nothing.

Moving from somewhere else? Work out the salary you would need in North Topsail Beach.

Sponsored · exampleMoving to North Topsail Beach? Compare quotes from licensed movers. No partner is signed yet. Sponsored offers are always labelled and never change the data.
Vacant homes1
85.1%
above the median place (median 7.1%)
Homeownership1
94.5%
42% above the median place
Median home value1
$473,600
48% above the median place
All 16 cost and housing measures
MeasureNorth Topsail BeachAmong 6,645 placesVs median
Median gross rent1$1,2687% below
Rent to income112.5%39% below
Property tax rate10.8%9% below
Home price to income13.9x3% above
Prices vs US average2Metro figure92.19% below
Fair market rent, 2 bedrooms3County figure$1,31918% below
HUD area median income4County figure$85,40020% below
Property tax paid (median)1$3,91220% above
Median home value1$473,60048% above
Home prices, 1-year change5County figure2.9%11% below
Home prices, 5-year change5County figure69.3%35% above
Homeownership194.5%42% above
Renters paying 30%+1County figure50.7%0% above
Owner costs with a mortgage1$2,41829% above
Vacant homes185.1%above (median 7.1%)
Median year built119891% above
03

Work and pay

Commutes by transit is 0.0%, below the median place (median 0.8%).

Commutes by transit1
0.0%
below the median place (median 0.8%)
Works from home1
43.4%
249% above the median place
Mean commute1
35 min
41% above the median place

More on work and pay, against the typical place

Income per person$74,947 +87%
Median household income$121,250 +51%
Poverty rate6.5% −40%
All 10 work and pay measures
MeasureNorth Topsail BeachAmong 6,645 placesVs median
Median household income1$121,25051% above
Income per person1$74,94787% above
Unemployment1County figure5.4%10% above
Average annual pay6County figure$48,92926% below
Pay growth, 1 year6County figure4.4%19% above
Jobs6County figure53,88164% below
Poverty rate16.5%40% below
Mean commute135 min41% above
Works from home143.4%249% above
Commutes by transit10.0%below (median 0.8%)
04

Who lives here

Household size is 1.9, 25% below the median place.

Household size1
1.9
25% below the median place
Median age1
60.5
55% above the median place
High school or higher1
97.8%
6% above the median place
All 9 people measures
MeasureNorth Topsail BeachAmong 6,645 placesVs median
Population17846646th largest
Population change since 202078.7%above (median 1.1%)
Median age160.555% above
Bachelor's or higher154.4%70% above
High school or higher197.8%6% above
Household size11.925% below
Born abroad1County figure4.2%52% below
No health insurance1County figure9.5%48% above
Homes with broadband188.9%4% below
05

Life in North Topsail Beach

15 sites are on the National Register of Historic Places.

Businesses per 10,000 residents (county figures)

Restaurants and bars19.1 −8%
Shops26.9 −11%
Arts, recreation and fitness2.6 −37%
Doctors' offices and clinics10.1 −50%
Child care centers1.8 −22%

Counts businesses with paid staff, so small owner-run shops are not included.

Doctors' offices and clinics per 10k9
10.1
50% below the median place
Arts, recreation and fitness per 10k9
2.6
37% below the median place
Child care centers per 10k9
1.8
22% below the median place
All 9 schools and local life measures
MeasureNorth Topsail BeachAmong 6,645 placesVs median
Public schools12County figure40344% above
Public school students12County figure27,501above (median 4,897)
Students per teacher12County figure16.15% above
Restaurants and bars per 10k9County figure19.18% below
Shops per 10k9County figure26.911% below
Arts, recreation and fitness per 10k9County figure2.637% below
Doctors' offices and clinics per 10k9County figure10.150% below
Child care centers per 10k9County figure1.822% below
National Register listings10County figure1515% above
06

Safety, weather and risk

Violent crime per 100k is 0, below the median place (median 192).

Violent crime per 100k
0
below the median place (median 192)
Property crime per 100k
2,364
95% above the median place
Months reported
12 of 12
by the city police department to the FBI

Counts only offenses reported by the city police department. Sheriff, state and campus police are not included, and some departments do not report to the FBI at all, so compare with care.

Hurricane risk14
99.0
40% above the median place
Annual precipitation13
57.1 in
30% above the median place
Average temperature13
63°F
14% above the median place
All 9 weather and risk measures
MeasureNorth Topsail BeachAmong 6,645 placesVs median
July average high13County figure89°F3% above
January average low13County figure34°F34% above
Average temperature13County figure63°F14% above
Annual precipitation13County figure57.1 in30% above
Natural hazard risk14County figure95.03% above
Hurricane risk14County figure99.040% above
Tornado risk14County figure85.85% above
Wildfire risk14County figure85.940% above
Heat wave risk14County figure87.53% below
08

North Topsail Beach in 2030: where the trends point

If recent trends hold, the median rent will take about 12% of the median income in 2030, down from 13% now.

Citytistics projections to 2030: each figure's own trend, blended with the typical trend across the places we rate, eased toward long-run US growth and carried forward from the latest release. The range is where 80% of places landed when we tested the same method on past releases.

MeasureLatest2030 projectionLikely rangeAvg. per year
Median rent$1,268/mo (2024)$1,590/mo$1,300 to $1,940/mo+3.8%
Median household income$121,250 (2024)$163,000$138,000 to $193,000+5.1%
Median home value$473,600 (2024)$701,000$509,000 to $966,000+6.8%
Population1,097 (2025)1,1601,110 to 1,210+1.1%

The median home would be worth 4.3 years of the median income in 2030, against 3.9 now.

A projection of recent trends, not a prediction of the economy or advice to buy or sell. How we project.

09

Places like North Topsail Beach

The closest matches on income, rent, home value, education and age, and the places nearby.

PlaceRentIncome
Fernandina Beach, FL$1,259$97,903Compare
Tanque Verde, AZ$1,347$121,599Compare
Corrales, NM$1,143$102,307Compare
Pinehurst, NC$1,664$109,802Compare
Pinehurst, NCCorrales, NMTanque Verde, AZFernandina Beach, FLNorth Topsail Beach, NCFernandina BeachTanque VerdeCorralesPinehurstFernandina BeachTanque VerdeCorralesPinehurst

Common questions

Is North Topsail Beach a good place to live?

It depends on what you need, so here is what the numbers say. Between the 2019 and 2024 surveys, household income rose 16.1% a year while rent rose 1.6%, so pay gained on rent more than in 99% of the 2,476 places under 10,000 people we track. It is the 2nd-lowest of 160 North Carolina places. 85% of homes stand vacant, more than in 99% of places its size. It is the highest of 134 North Carolina places. On cost, space and class size it scores 79 out of 100 for families. See how it ranks with your own weights.

Is North Topsail Beach expensive to live in?

The median rent takes 12.5% of the median household income, against 20.4% in the typical place we track. Housing is a lighter load here than usual. The median home is valued at $473,600.

What salary do you need to live in North Topsail Beach?

To rent the median home without spending more than 30% of income on rent, a household needs about $50,720 a year. Work it out from your current city.

Is North Topsail Beach safe?

There were 0 reported violent crimes per 100,000 residents, against 192 in the typical place.

What places are similar to North Topsail Beach?

On income, rent, home value, education and age, the closest matches are Fernandina Beach, FL, Tanque Verde, AZ, Corrales, NM and Pinehurst, NC.

Sources and methods

The small numbers beside each measure point here. Every dataset is public; links go to the publisher.

  1. American Community Survey 5-year estimates · US Census Bureau · 2020 to 2024 estimatesTables B01002, B01003, B05002, B07003, B08013, B08301, B15003, B17001, B19013, B19301, B23025, B25002, B25003, B25010, B25035, B25064, B25070, B25077, B25088, B25103, B28002, S2701
  2. Regional Price Parities · US Bureau of Economic Analysis · Latest release, retrieved 2026-11-14
  3. Fair Market Rents · US Department of Housing and Urban Development · Fiscal year 2027
  4. Income Limits · US Department of Housing and Urban Development · Fiscal year 2026
  5. House Price Index · Federal Housing Finance Agency · Latest release, retrieved 2026-11-14
  6. Quarterly Census of Employment and Wages · US Bureau of Labor Statistics · 2025 annual averages
  7. Population Estimates · US Census Bureau · Vintage 2025
  8. SOI Tax Stats, county-to-county migration · Internal Revenue Service · Tax years 2022 to 2023Counts tax returns and the people on them; flows under 20 returns are suppressed.
  9. County Business Patterns · US Census Bureau · 2023 data
  10. National Register of Historic Places · National Park Service · Listings through 2026-05-22
  11. Crime Data Explorer · Federal Bureau of Investigation · 2025 data
  12. Common Core of Data · National Center for Education Statistics · 2024 release
  13. 1991-2020 climate normals · NOAA National Centers for Environmental Information · Series updated 2026-11-05Averages for 1991 to 2020 computed from NOAA's county climate series (nClimDiv).nClimDiv county series
  14. National Risk Index · Federal Emergency Management Agency · Latest release, retrieved 2026-11-14NRI data and maps

Derived by Citytistics from the tables above: rent to income (B25064, B19013); property tax rate (B25103, B25077); home price to income (B25077, B19013).

What stands out compares North Topsail Beach with places of a similar size, using only figures measured for North Topsail Beach itself; county and metro figures never count. Survey figures are estimates with margins of error. Formulas and definitions: methodology. API: /api/v1/places/north-topsail-beach-north-carolina

Citytistics. “North Topsail Beach, North Carolina.” Data as of 2026-11-14. https://www.citytistics.com/city/north-topsail-beach-north-carolina/

This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.