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Wilmington, NC
Wilmington · NC 28401
Updated November 1, 2026 · Would You Live There?
Good for now
Verdict
$360K
Median Price
…
Walk Score
6.5/10
Schools
145 min
to Raleigh, NC
Score Breakdown
DAffordability
45/100
D+Safety
55/100
CSchools
65/100
D+Quietness
50/100
FCommute
15/100
FWalkability
0/100
WYLT Score38/100
Our Take
Wilmington’s 28401 zip offers a lively coastal atmosphere with solid school options and a growing economy, but it also faces high flood risk and long commutes to larger job centers. It’s a solid choice for those who value waterfront living and a moderate cost of living, though you’ll need to budget for extra insurance and maintenance.
B.
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The Good
- ✓Strong coastal lifestyle with beaches and waterfront parks
- ✓Highly rated elementary schools like Dr. John Codington and Dr. Hubert Eaton
- ✓Growing job market and proximity to Wilmington’s port
- ✓Diverse housing options from historic homes to new developments
Real Talk
- !Flood risk is high (AE zone) and hurricane damage can be costly
- !Commute to Raleigh is 145 minutes, limiting daily access to the larger metro area
- !Property values have risen ~20% since 2022, reducing affordability for some buyers
- !Crime rates are moderate; stay informed about neighborhood safety
- $Hurricane and flood insurance premiums
- $Higher property taxes in coastal counties
- $Potential maintenance costs for older homes in historic districts
Best For
coastal livingyoung professionalsstudentsretirees
Risk Snapshot
Flood riskHigh
Violent crimeModerate
Property crimeModerate
Air qualityModerate
Price volatilityModerate
Crime & Safety
Wilmington, NC
D+
Safety grade
Safety score55 / 100
High riskVery safe
⚠️Violent Crime
Moderate3.9incidents / 1,000 residents / yr
0Natl avg (3.7)11+
5% higher than the national average
🔒Property Crime
Moderate19.8incidents / 1,000 residents / yr
0Natl avg (19.5)59+
2% higher than the national average
Verify with real-time data
City-Data stats →From Residents
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