How much do homeowners pay a month in Atlantic Beach, NC?

Name: Homeowner costs in Atlantic Beach, NC, 2020–2024
Creator: US Census Bureau
License: https://www.census.gov/data/developers/about/terms-of-service.html

Homeowners with a mortgage in Atlantic Beach, NC pay a median of $1,968 (±$315) a month in selected owner costs (2020–2024 American Community Survey).

Owners without a mortgage pay $645 (±$170).

42.5% of owned homes carry a mortgage.

In Atlantic Beach, the median monthly cost with a mortgage went from $2,088 in 2015–2019 to $1,968 in 2020–2024 (−5.7%).

Prices (CPI-U) rose 22.7% over the same years, so it fell after inflation as well.

Figures last updated on November 12, 2026.

With a mortgage: $1,968 (±$315)
Without a mortgage: $645 (±$170)
Owned with a mortgage: 42.5%

Monthly owner costs in Atlantic Beach

Median selected monthly owner costs, estimate (90% margin of error)
	Atlantic Beach	Carteret County	North Carolina	United States
With a mortgage	$1,968 (±$315)	$1,779 (±$42)	$1,631 (±$6)	$1,963
Without a mortgage	$645 (±$170)	$538 (±$18)	$490 (±$3)	$638
Owned homes with a mortgage	42.5% (±11.2 points)	55.5% (±1.8 points)	61.3% (±0.2 points)	60.6%
Median real estate taxes (a year)	$2,110 (±$489)	$1,423 (±$32)	$1,896 (±$8)	$3,119

Selected monthly owner costs are the mortgage payment, property taxes, insurance, utilities, fuels and any condominium or mobile-home fees.

In Atlantic Beach, the median cost with a mortgage is not measurably different from Carteret County ($1,779).

It is also higher than in North Carolina ($1,631).

It is not measurably different from the national figure ($1,963).

In Carteret County, Atlantic Beach ranks 6 of 14 places with a published estimate, from highest to lowest median monthly cost with a mortgage.

Statewide, it ranks 82 of 641.

Rankings use the estimates alone; where margins of error overlap, neighboring ranks may not truly differ.

How owner costs in Atlantic Beach have changed since 2015–2019

2015–2019 and 2020–2024 American Community Survey 5-year estimates
	2015–2019	2020–2024	Amount of change	Verdict
Median owner cost with a mortgage	$2,088 (±$227)	$1,968 (±$315)	−5.7%	Down after inflation
Median real estate taxes	$1,977 (±$426)	$2,110 (±$489)	+6.7%	No measurable change after inflation
Median home value	$383,600 (±$51,120)	$498,400 (±$120,512)	+29.9%	No measurable change after inflation

The Census Bureau publishes 2015–2019 dollars in 2019 dollars and 2020–2024 dollars in 2024 dollars.

Prices (the CPI-U, US Bureau of Labor Statistics) rose 22.7% between 2019 and 2024, so a dollar figure’s verdict compares the two after raising the earlier one by that much, using the Census Bureau’s test for a difference.

The two periods do not overlap, as the Census Bureau recommends for 5-year estimates.

Median monthly cost with a mortgage in places near Atlantic Beach

Nearest places with a published estimate, compared with Atlantic Beach
Place	Distance	Median monthly cost with a mortgage	Compared with this place
Atlantic Beach	—	$1,968 (±$315)	—
Morehead City	1.8 mi	$1,932 (±$126)	Not measurably different
Pine Knoll Shores	5.1 mi	$2,548 (±$235)	Higher
Beaufort	5.4 mi	$1,810 (±$375)	Not measurably different
Brandywine Bay	5.6 mi	$1,939 (±$159)	Not measurably different
Indian Beach	8.9 mi	$2,426 (±$1,182)	Not measurably different
Newport	9.1 mi	$1,640 (±$187)	Not measurably different
Broad Creek	10 mi	$1,492 (±$291)	Lower
Harkers Island	11 mi	$1,209 (±$231)	Lower

Nearby places with a measurably lower figure: Broad Creek, NC ($1,492), Harkers Island, NC ($1,209).

Nearby places with a measurably higher figure: Pine Knoll Shores, NC ($2,548).

Distance is measured in a straight line between the Census Bureau’s internal points for each place.

Median monthly cost with a mortgage across Carteret County, place by place

Rank	Place	Median monthly cost with a mortgage
1	Pine Knoll Shores	$2,548 (±$235)
2	Indian Beach	$2,426 (±$1,182)
3	Emerald Isle	$2,399 (±$311)
4	Cedar Point	$2,198 (±$128)
5	Cape Carteret	$2,188 (±$261)
6	Atlantic Beach	$1,968 (±$315)
7	Brandywine Bay	$1,939 (±$159)
8	Morehead City	$1,932 (±$126)
9	Beaufort	$1,810 (±$375)
10 (tie)	Bogue	$1,640 (±$192)
10 (tie)	Newport	$1,640 (±$187)
12	Broad Creek	$1,492 (±$291)

Showing 12 of 14 places in Carteret County, ranked from highest to lowest.

Survey years: 2020–2024 (American Community Survey 5-year estimates), compared with 2015–2019.

Margins of error are at the 90% confidence level.

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Questions about Atlantic Beach

What is the average mortgage payment in Atlantic Beach?

The Census Bureau publishes total owner costs rather than the mortgage alone: the median for owners with a mortgage in Atlantic Beach, NC is $1,968 (±$315) a month, including taxes, insurance and utilities.

How much does it cost to own a paid-off home in Atlantic Beach?

Owners without a mortgage in Atlantic Beach pay a median of $645 (±$170) a month in taxes, insurance, utilities and fees.

Has the cost of owning a home in Atlantic Beach gone up?

In Atlantic Beach, the median monthly cost with a mortgage went from $2,088 in 2015–2019 to $1,968 in 2020–2024 (−5.7%).

Prices (CPI-U) rose 22.7% over the same years, so it fell after inflation as well.

Sources

To check these figures in the Census Bureau’s own API, request the variables below from the 2024 ACS 5-year data profile (acs/acs5/profile) and detailed tables (acs/acs5) for Atlantic Beach town, North Carolina (place:02500, in state:37).

Each estimate (E or PE) has a margin of error beside it (M or PM).

The 2015–2019 figures are B25088_002E, B25088_002M, B25103_001E, B25103_001M, B25077_001E, B25077_001M from the 2019 release.

The API needs a free key.

Request a Census API key.

DP04_0101E, DP04_0101M, DP04_0109E, DP04_0109M, DP04_0091PE, DP04_0091PM, B25103_001E, B25103_001M

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

Figures are published by the US Census Bureau, HUD, the Bureau of Labor Statistics and the FBI; Seayora reproduces them and does not adjust them, except where a sentence says it compares dollar figures after inflation. They describe the whole place, not any one building or street, and are not an appraisal, a rent determination, a tax bill, a safety rating or legal advice.