7
$167,900
Creeksville Church Rd
Spring Lake, NC 28390
Land20.00 acres
Tracie Crowder · AC REALTY
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Spring Lake, NC Housing Market
Balanced market-0.1% YoY
Zillow, August 2026 · Refreshes monthlyRedfin, through May 2026 · No longer updatingFreddie Mac via FRED, September 2026 · Refreshes weekly
The typical home in Spring Lake, NC is worth $259,071, held roughly flat 0.1% over the past year (Zillow Home Value Index, August 2026). The last median sale price Redfin published was $200,500, -14.7% year over year (through May 2026). With 7.0 months of supply and homes going under contract in about 35 days, Spring Lake is a balanced market. At today's 7.03% 30-year fixed rate, 20% down on a $259,071 home is about $1,383/mo in principal and interest.
Key numbers for Spring Lake, NC
Typical home value
$259,071
-0.1% in 12 months
Zillow, August 2026
Typical asking rent
$1,430/mo
Zillow Observed Rent Index
Zillow, August 2026
Median sale price
$200,500
-14.7% year over year
Redfin, through May 2026
Days on market
35
Average pace
Redfin, through May 2026
Active listings
28
7.0 months of supply
Redfin, through May 2026
30-yr fixed rate
7.03%
Freddie Mac weekly average
Freddie Mac via FRED, September 2026
Median household income
$50,497
Home costs 5.1x income
U.S. Census ACS, 2023
Sale-to-list ratio
101.0%
Selling above asking
Redfin, through May 2026
Zillow figures are as of August 2026 and refresh monthly. Redfin figures are through May 2026 — Redfin stopped publishing its public market trackers in June 2026, so those numbers are final, not current. Mortgage rates come from Freddie Mac via FRED and update weekly.
Is Spring Lake a buyer's or seller's market?
Balanced market7.0 months of supply35 days on market101.0% of asking
Spring Lake, NC is a balanced market, based on 7.0 months of supply and homes selling in about 35 days. Above 5 months of supply, homes start accumulating faster than they clear, which is where buyers gain leverage on price, repairs, and closing costs.
Inputs are Redfin's final published period (May 2026). How we classify markets · Where the data comes from
What does the Spring Lake housing market data show?
Every row below is Redfin's final published month for Spring Lake, NC. Redfin, through May 2026
| Metric | Value |
|---|---|
| Median sale price | $200,500 |
| Median list price | $230,000 |
| Year-over-year price change | -14.7% |
| Median price per sq ft | $157/sq ft |
| Median days on market | 35 days |
| Active inventory | 28 listings |
| Months of supply | 7.0 months |
| Sale-to-list price ratio | 101.0% |
| Homes sold (that month) | 4 |
| New listings (that month) | 13 |
| Listings with a price cut | 21.4% |
| Market condition | Balanced market |
How to read these numbers
- Median sale price
- Half the homes that closed sold for more than this, half for less. It moves with what kind of home sold that month, so a quiet month with two big sales can swing it. Redfin's figure for Spring Lake is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Spring Lake is worth right now, whether or not it sold. It is smoother than the median sale price and it still refreshes monthly, which is why this page leads with it.
- Months of supply
- How long it would take to sell every active listing at the current pace. Under 3 favors sellers, over 6 favors buyers, and 3 to 6 is the balanced band.
- Days on market
- Median time from listing to accepted offer. Short means you should have financing ready before you tour; long means there is room to negotiate on price and repairs.
- Sale-to-list ratio
- Sale price divided by the last asking price. Above 100% means bidding above asking is normal here; below 100% means the typical buyer got a discount.
- Price per square foot
- The size-adjusted price. Use it to compare a 1,400 sq ft house to a 2,600 sq ft house, not to value your own home — lot, condition and age move it a lot.
- Listings with a price cut
- Share of active listings that dropped their asking price in the month. A high share is the earliest visible sign that sellers are ahead of what buyers will pay.
- Typical asking rent (ZORI)
- Zillow's repeat-rent index for asking rents on new leases. Paired with the home value it gives the price-to-rent ratio in the rent-vs-buy section below.
How have Spring Lake home prices moved?
Over the last three years the median sale price in Spring Lake, NC rose 27.3%, from $157,500 to $200,500. The live Zillow value series has held roughly flat 0.1% in the last 12 months, which is the more current read now that Redfin's series has stopped. 21.4% of Spring Lake listings cut their asking price in the final Redfin month — a modest share, which is what a market looks like when sellers are pricing close to where homes actually clear. For prices to fall meaningfully from here, supply would have to keep building past 7.0 months while the sale-to-list ratio slips below its current 101.0%. Watch those two together — they move before the median does.
Redfin, through May 2026 — the chart ends at Redfin's final published month.
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What does it cost to buy a home in Spring Lake?
Priced off the typical home value of $259,071 at the current 7.03% 30-year fixed rate. These are principal and interest only — property taxes, homeowner's insurance, HOA dues and mortgage insurance are on top, and they vary enough by property that we will not guess them for you.
| Down payment | Cash at close | Loan amount | Monthly P&I |
|---|---|---|---|
| 20% | $51,814 | $207,257 | $1,383/mo |
| 5% | $12,954 | $246,118 | $1,642/mo |
Zillow, August 2026 for the price · Freddie Mac via FRED, September 2026 for the rate
What income do you need?
Lenders generally want housing costs under 28% of gross income. On the 20%-down payment of $1,383, that implies roughly $59,274 a year before you add taxes and insurance. The median household in Spring Lake earns $50,497, about $8,777 short of that threshold — the typical local household needs a larger down payment, a co-borrower, or a home below the typical home value to fit the 28% rule. That puts the price-to-income ratio at 5.1x — well above the 3x that was historically considered affordable, which is why down payment size drives who can buy here.
Run it with your own numbers: affordability calculator · mortgage calculator
Buying in Spring Lake in the next 12 months?
Tell us your timeline. We send the Spring Lake market brief: the price ranges that actually clear, how long homes sit, and what to fix on your credit before you apply.
Is it cheaper to rent or buy in Spring Lake?
Typical asking rent in Spring Lake, NC is $1,430/mo, against a typical home value of $259,071. That is a price-to-rent ratio of 15.1x, which means buying and renting land close enough together that the decision turns on how long you stay and your down payment. Compared head to head, 20% down puts principal and interest at $1,383 a month — $47 less than renting before taxes and insurance, so ownership can win on monthly cost alone once you have the down payment.
Zillow, August 2026 for both value and rent
Add your own down payment, tax rate and time horizon in the rent vs. buy calculator.
Is inventory rising or falling in Spring Lake?
Active listings in Spring Lake, NC went from 15 in May 2025 to 28 in May 2026, a +86.7% change. Rising inventory is the single most useful leading indicator for buyers: more choice, longer marketing times, and more sellers willing to negotiate before price cuts show up in the median.
| Month | Active listings | New listings |
|---|---|---|
| June 2025 | 14 | 6 |
| July 2025 | 12 | 10 |
| August 2025 | 14 | 6 |
| September 2025 | 16 | 6 |
| October 2025 | 21 | 9 |
| November 2025 | 17 | 4 |
| December 2025 | 11 | 4 |
| January 2026 | 12 | 4 |
| February 2026 | 15 | 11 |
| March 2026 | 14 | 5 |
| April 2026 | 18 | 9 |
| May 2026 | 28 | 13 |
Redfin, through May 2026
How does Spring Lake compare to North Carolina and the U.S.?
Spring Lake homes sell for $200,500 — 50% below the North Carolina median of $397,600. Against the national median of $410,700, Spring Lake runs 51% lower. Year-over-year, Spring Lake moved -14.7% against North Carolina's +2.1% — a bigger swing than the state as a whole.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Spring Lake, NC | $200,500 | -14.7% | 35 days |
| North Carolina statewide | $397,600 | +2.1% | 52 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through May 2026 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in Spring Lake
What buyers should watch
- Months of supply, currently 7.0. It turns before price does — when it climbs past 6, sellers start taking offers they would have rejected a quarter earlier.
- The share of listings cutting price, currently 21.4%. A listing that has already cut once is the one most likely to accept below asking.
- The gap between 5% and 20% down here is $259 a month in principal and interest alone, before mortgage insurance. That gap, not the price, is usually what decides your timeline.
- Rate moves. At 7.03%, every full point of rate change moves the payment on a $259,071 home more than a 5% price change does.
- Your credit tier before you shop, not after — it sets the rate you are quoted. Run your numbers first.
What sellers should know
- The median Spring Lake listing goes under contract in 35 days. If yours passes that mark, the market is telling you the price is wrong — not that you need more showings.
- Homes here close at 101.0% of asking. Price at the number you want and let competition do the rest.
- In the last published month Spring Lake added 13 new listings against 4 sales — more competition arriving than clearing, so early timing matters.
- Your equity moved -0.1% in the last 12 months on the Zillow value series. That, not the price you paid, is what sets your net proceeds.
- Comparable ZIP-level pricing inside Spring Lake varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Spring Lake
There are currently 28 homes listed for sale in Spring Lake, North Carolina. The median listing price is $230K. Featured listings range from $167,900 to $389,900.
New Build
24
$219,900
130 Chapel Hill Rd
Spring Lake, NC 28390
2 bd3 ba1,254 sqft$175/ft²
Townhouse
Lindsay Collins · CRESFUND REALTY
View photos & details
New Build
24
$219,900
144 Chapel Hill Rd
Spring Lake, NC 28390
2 bd3 ba1,254 sqft$175/ft²
Townhouse
Lindsay Collins · CRESFUND REALTY
View photos & details
New Listing
36
$249,000
288 Gallery Dr Apt 301
Spring Lake, NC 28390
3 bd2 ba1,550 sqft$161/ft²
Condo
Magalie Ormond · ONNIT REALTY GROUP
View photos & details
7
$282,000
632 Creeksville Church Rd
Spring Lake, NC 28390
Land20.00 acres
Tracie Crowder · AC REALTY
View photos & details
New Listing
40
$290,000
115 Shelby St
Spring Lake, NC 28390
3 bd2 ba1,732 sqft$167/ft²
House18,731 sqft lot
Chrisi Daniels · CAROLINA SUMMIT GROUP #1
View photos & details
New Listing
44
$355,000
134 Spruce Hollow Cir
Spring Lake, NC 28390
4 bd3 ba2,325 sqft$153/ft²
House4,356 sqft lot
Amanda Stone · RE/MAX CHOICE
View photos & details
New Build
33
$373,240
143 Charlies Bend Way
Spring Lake, NC 28390
4 bd3 ba2,511 sqft$149/ft²
House
View photos & details
New BuildPrice Drop −$5K
31
$383,740
123 Charlies Bend Way
Spring Lake, NC 28390
4 bd3 ba2,824 sqft$136/ft²
House
View photos & details
New Build
32
$384,190
81 Discovery Way
Spring Lake, NC 28390
4 bd3 ba2,340 sqft$164/ft²
House10,890 sqft lot
Janet Rogers · DR HORTON INC.
View photos & details
New Build
29
$384,190
81 Discovery Way
Spring Lake, NC 28390
3 bd3 ba2,340 sqft$164/ft²
House
View photos & details
New Listing
35
$389,900
85 Glenwood Ct
Spring Lake, NC 28390
4 bd3 ba2,311 sqft$169/ft²
House9,148 sqft lot
Kate Garth · AC REALTY
View photos & details
Looking to buy in Spring Lake?
Get connected with a local real estate expert — free, no obligation.
Active listings
28
Homes on market
Median list price
$230K
Avg. days on market
35
Days until sale
New this week
13
Newly listed
Price drops:21.4%of listings
Sale-to-list:101.0%
How much do homes cost in Spring Lake by property type?
How the Spring Lake, NC market breaks down across single-family homes, condos and townhouses. Redfin, through May 2026
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Single-family | $200,500 | $157/sq ft | 4 | 35 days |
| Townhouse | $219,000 | $175/sq ft | 1 | 45 days |
Who lives in Spring Lake?
American Community Survey estimates for Spring Lake. U.S. Census ACS, 2023
Population
11,613
Households
4,321
Median income
$50,497/yr
Median age
25.4 years
Owner-occupied
21.5%
Median home value
$101,300
Median gross rent
$1,228/mo
Mean commute
19.7 min
21.5% of occupied homes in Spring Lake are owner-occupied, and the rest are rented — which is the share that decides how much of the local housing stock ever reaches the for-sale market. The Census self-reported median home value is $101,300 against Zillow's $259,071 typical value; the gap is normal — ACS asks owners what they think their home is worth, Zillow models transactions. Census median gross rent (all leases, including long-held ones) is $1,228/mo, below Zillow's $1,430/mo asking rent on new leases — the difference is roughly what a mover pays over a stayer.
Which public schools serve Spring Lake?
7 schools tracked · 5,365 students
The largest public schools serving Spring Lake, NC by enrollment, drawn from the National Center for Education Statistics. School quality is a commonly cited factor in home-buying decisions — these are the campuses families in this area are most likely to encounter.
Overhills High
Grades 9-12 · 2,024 students
Overhills Elementary
Grades PK-5 · 897 students
Overhills Middle
Grades 6-8 · 829 students
William T Brown Elementary
Grades PK-5 · 554 students
Spring Lake Middle
Grades 6-8 · 516 students
Anderson Creek Academy
Grades K-5 · 292 students
Manchester Elementary
Grades K-5 · 253 students
Source: National Center for Education Statistics, Common Core of Data directory. Updated annually. Ratings and test scores are not currently displayed.
Which cities are near Spring Lake, NC?
Ordered by distance from Spring Lake, not by size. Compare Spring Lake side by side with any of them.
Which ZIP codes are in Spring Lake?
These are the ZIP codes we see on active Spring Lake listings. Redfin did not publish a matching ZIP-level sale row for the same period, so we are not ranking them by price here — each ZIP page shows exactly what we hold for it.
Spring Lake housing market FAQ
Is Spring Lake a buyer's or seller's market?
Spring Lake, NC is currently a balanced market. That read comes from 7.0 months of supply, homes going under contract in about 35 days, and sellers getting 101.0% of their asking price in the last month Redfin published (May 2026).
How much do homes cost in Spring Lake?
The typical home in Spring Lake, NC is worth $259,071 (Zillow Home Value Index, August 2026). The median sale price in the last month Redfin published was $200,500, about $157 per square foot.
Is Spring Lake cheaper than the rest of North Carolina?
Spring Lake's median sale price of $200,500 is 50% lower than the North Carolina statewide median of $397,600, and 51% below the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Spring Lake?
Homes in Spring Lake, NC spent a median of 35 days on market before going under contract, versus 52 days statewide. That is a normal pace: enough time to see a home twice, not enough to wait a month. (Redfin, through May 2026.)
What income do you need to buy a home in Spring Lake?
At the current 30-year fixed rate of 7.03%, 20% down on a $259,071 home is about $1,383 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $59,274 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $50,497.
Are home prices rising in Spring Lake?
The typical home value in Spring Lake, NC held roughly flat 0.1% over the last 12 months, from $259,398 to $259,071 (Zillow, August 2026). This is the live series — it refreshes monthly.
What are the cheapest ZIP codes in Spring Lake?
Spring Lake ZIP-level sale prices are not all published for the same period, so ranking them would compare different months. The ZIP pages listed on this page show what we hold for each one individually.
Is now a good time to buy in Spring Lake?
That depends on your timeline, not on a headline. What the data says today: Spring Lake, NC is a balanced market with 7.0 months of supply, the 30-year fixed rate is 7.03%, and the price-to-rent ratio of 15.1x means buying and renting land close enough together that the decision turns on how long you stay and your down payment. Properties Incorporated publishes the data; it does not give financial advice.
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