Send the address and get a written cash offer within 24 hours. You pick the closing date. No repairs, no cleaning, no agent commissions.
Step 1 of 5
Start with the address. A few quick questions come next, then your written offer. There is no obligation.
You’ll talk to Trevor McAmis, Owner & Acquisitions Lead
(313) 710-6129
Takes about two minutes. Or call (313) 710-6129 — we answer.
The address is enough to start in Wilmington. If you know the condition or the age of the roof, tell us. It helps us reach a firmer number sooner.
A real number on paper, with the recent sales nearby and the repair costs behind it. There is no obligation, and nothing to sign.
Seven days if you need it, ninety if you would rather take your time. We buy the house as it is, cover the standard closing costs, and you can leave behind what you do not want.
ReStar Acquisitions is run by Trevor McAmis and his family. Every offer on this site is underwritten by a person who will tell you when listing beats selling to us. Call (313) 710-6129 and you get one of us.
From our own transaction records and HUD data for Wilmington ZIP codes. Updated 2026-10-29.
Across the Wilmington properties in our records, the median time on market is 91 days. A cash sale skips that wait. There is no listing period, no showings, and no bank loan that can fall through at day 30.
Wilmington sits on the coast, so wind coverage, flood zone and elevation certificates drive both insurability and price. Homes here also sit on market considerably longer than our inland markets.
In Southwest Florida, the thing that most often ends a retail sale is not the buyer. It is the insurance binder. Roofs past roughly 15 years and older electrical panels show up on the 4-point inspection, and a lender will not fund without coverage.
Flood designation drives insurance cost, which drives what a financed buyer can afford. It narrows your retail buyer pool sharply. It does not affect a cash purchase.
That is 2 ZIP codes across Wilmington, including 28401, 28405. Not listed? We still look at it. North Carolina houses outside these ZIPs come to us regularly.
From 108 recorded sales in the Wilmington ZIP codes we buy in. Most “we buy houses” sites will not show you this, and without it, it is hard to tell whether an offer is fair.
The middle half of Wilmington sales ran $210,000 to $365,000. A range that wide is why condition and block matter more than square footage when we price a house.
| Home size | Median sale price | Sales |
|---|---|---|
| 2-bedroom | $290,000 | 23 |
| 3-bedroom | $325,355 | 73 |
| 4-bedroom | $387,000 | 9 |
Recorded sales in our own database of recent sales for these ZIP codes. Sale prices reflect what buyers paid for homes in their condition at the time, so they are not an appraisal of your house and not an offer.
Figures for the whole market in every Wilmington ZIP code we buy in, from the ReStar housing database · August 2026. These are not our numbers. They cover every sale in the ZIP, not just ours.
A house listed in Wilmington is taking a median of 60 days to go under contract, 24 days longer than a year ago. That is only the wait until it goes under contract. A buyer with a bank loan then needs another 30 to 45 days to close, if the loan holds.
Houses here are closing at a median 0.98 of asking price, so the price sellers start at is not the price they end at. Keep that in mind when you compare a cash offer with what an agent projects you will net.
There are +17.4% more homes on the market than a year ago, so a listing competes with more of them.
| ZIP | Median sale | Per sq ft | Days on market | Listed now | Median rent |
|---|---|---|---|---|---|
| 28401 | $385,333 | $269 | 69 days | 163 | $1,741 |
| 28405 | $419,818 | $257 | 52 days | 134 | $1,735 |
Source: ReStar (restar.io) housing database, built from public records and MLS-derived feeds. A dash means that ZIP has no published figure for that measure this month.
Comparing a market with its county shows which buyers can afford it and how long they take to decide. Here is New Hanover County next to the Wilmington ZIP codes.
| New Hanover County | Wilmington ZIPs | |
|---|---|---|
| Median sale price | $463,962 | $402,576 |
| Price per sq ft | $256 | $263 |
| Days on market | 61 days | 60 days |
| Median rent | $1,719/mo | $1,738/mo |
| Median household income | $75,166 | — |
The Wilmington ZIP codes we buy in run 13% below the New Hanover County median of $463,962. That gap is why a countywide price per square foot will not price your house well, and it is why we work out our offers by ZIP.
County-wide, the median sale price is -1.3% against a year ago.
County figures from the ReStar housing database; the Wilmington column is the median across the ZIP codes listed above. Income is the most recent Census estimate.
Wilmington is the only market on this site where time on market is getting materially worse. The median listing in 28401 and 28405 now takes about 61 days to go under contract, roughly 24 days longer than a year ago, with inventory up nearly 19%. Values are down about 1%.
Our own records say the same thing from the other direction: the median Wilmington property we look at has sat 91 days. That is the longest of any market we buy in, and it is the number to weigh when somebody tells you the coast always sells.
The stock is the reason. The typical house in our sales database here was built in 1968, with a median sale of $315,400 and a lower quartile of $210,000: older downtown and near-downtown homes rather than the newer coastal product that carries the county's $448,000 median. In a coastal market, that age brings a specific list: wind and hail roof claims, crawlspace moisture, and insurance that reprices on roof age.
North Carolina closings are attorney-conducted, so the attorney's title turnaround sets your calendar. In New Hanover County, add flood zone determination to that. It does not affect a cash purchase, but it narrows the financed buyer pool sharply and is worth knowing before you judge how long a listing might really take.
So you can check anyone's numbers, ours included, here is the same math applied to a Wilmington home at the median price.
| What the house would sell for once repaired | $315,400 |
| − Repairs to get it there | −$38,000 |
| − Holding, closing and resale costs | −$31,500 |
| − The buyer's margin | −$38,000 |
| = Illustrative cash offer | $207,900 |
This is an illustration, not an offer on your house. Use it to check any offer you get, ours included. The arithmetic is standard. What varies is how honest the repair number is.
If your house is in good condition, this same math may tell you to list it instead. If it does, we will say so. See how the offer is built, line by line, including where that line falls.
This uses the median Wilmington sale price of $315,400 from our own records of recorded sales, with the North Carolina transfer tax at the rate set by law. The middle column is the cost of listing. The right column shows what selling to us removes.
| Cost | On a $315,400 sale | Selling to us |
|---|---|---|
| Agent commission, both sides (about 5.5%) | $17,347 | None |
| Excise tax, $1 per $500 of value | $631 | We pay it |
| Owner's title policy and settlement fees | about $2,000 | We cover the standard ones |
| Buyer concessions and post-inspection credits (about 1%) | $3,154 | None. There is no inspection contingency |
| Repairs, cleaning and staging before listing (about 1%) | $3,154 | None. We buy the house as it is |
| Total cost to sell | $26,286, or 8.3% of the sale price | $0 |
Every closing statement follows the same formula:
Net proceeds = sale price − mortgage payoff − closing costs − commissions − repairs and concessions
On the median Wilmington sale, with an example $142,000 still owed, listing leaves you roughly $147,114 after the $26,286 of costs above. A cash offer starts below the retail price but carries none of those five costs. That is why the two routes land closer together than the headline numbers suggest. On a house in good condition that can wait 60 to 90 days, listing still usually wins.
Illustrative arithmetic on this market's median, not a quote on your property. Commission is customary rather than fixed and is negotiable; your payoff, liens and tax proration are specific to your file. See the full cash offer versus listing comparison to run it on your own numbers, or what seller closing costs cover.
North Carolina closings are conducted by an attorney, who performs the title search and records the deed. Build the attorney's title turnaround into any date you commit to.
On our side the steps are the same every time: a title search, payoff figures ordered on any existing mortgage, liens and municipal balances found, then the money sent and the deed recorded. A cash sale does not skip title work. What it skips is the lender, the appraisal and the financing contingency, which is where most retail contracts on Wilmington houses fall apart.
General information about how these transactions typically proceed, not legal or tax advice. Your closing agent or attorney is the authority on your specific file.
Every row below comes from a statute, not our opinion, and each one links to the source so you can check it yourself. These are also the items that most often hold up a closing in Wilmington.
| Seller disclosure required | N.C.G.S. Chapter 47E: read the statute |
| Transfer or excise tax | Excise tax, $1 per $500 of value |
| Rate used in the costs below | 0.2% |
| Who pays it | Seller |
| Statutory authority | N.C.G.S. § 105-228.30: source |
| Who conducts the closing | attorney |
| Attorney required at closing | Yes |
North Carolina requires the Residential Property and Owners' Association Disclosure Statement plus a separate Mineral and Oil and Gas Rights Disclosure, both before the buyer makes an offer. You are allowed to answer 'No Representation' to any item, which is what an as-is or estate seller normally does.
Statewide rate. Seven coastal counties are authorised to add a local land transfer tax; none of them are markets we buy in.
North Carolina closings are attorney-supervised. The attorney runs the title search, prepares the deed and records it, and no title agent can substitute.
North Carolina income tax applies at a flat rate to gain above the federal exclusion. Federally, the exclusion for a primary residence shelters up to $250,000 of gain if you are single and $500,000 if you are married filing jointly, provided you owned and lived in the house for two of the last five years. See IRS Topic 701. An inherited property takes a stepped-up basis at the date of death, which usually means little or no taxable gain if you sell soon after.
General information about North Carolina practice, current as of 2026-10-29. It is not legal or tax advice, and rates set at county or municipal level vary within the state. Your closing agent, attorney or CPA is the authority on your file.
| Listing with an agent | Our cash offer | |
|---|---|---|
| Agent commission | About 6% of the sale price | None |
| Repairs before closing | Buyer and appraiser both have a say | None. We buy the house as it is |
| Cleaning and showings | Open houses and strangers walking through | Neither |
| Time to close | 91 days on the market, then another 30 to 45 days to close | 7 to 14 days once title is clear |
| Financing falls through | A common reason a sale falls apart | No lender involved |
| Closing costs | Usually paid by the seller | We cover the standard ones |
| Certainty of the number | The buyer can ask for a lower price after inspection | The written number is the number |
The listing timeline is the median days on market for Wilmington in our own records, plus a typical closing with a bank loan. Commission is the customary 6% and varies by agreement.
If you accept an offer, you have three days after signing to walk away for any reason at all. You owe nothing, and you do not have to explain. We would rather not buy the house than have you feel pushed into selling it.
If the house is in good shape and you are not in a hurry, listing it will almost always net you more than we can offer. We are not being modest. Our offer is lower than a retail sale because we take on the repairs, the carrying costs and the risk.
If that sounds like your house, we will tell you so. It saves time for both of us, and it beats pretending otherwise.
Every house comes with its own story and its own timing. These pages explain what changes in each case:
You can usually still sell the house before that date.
We can buy while the estate is being settled, and wait for the paperwork.
One clear closing date, and the proceeds split cleanly.
Occupied is fine. You do not have to remove anyone first.
These get paid out of the proceeds at closing.
Fire, water or structural damage. We price it in, and you do not repair it.
We buy across North Carolina, not just Wilmington. Each of these has its own sale prices, ZIP breakdown and rent data published the same way:
That does not rule anything out. Flood zone affects insurance cost, and so what a buyer with a loan can afford. That is why cash buyers matter more here than inland.
Typically 7 to 14 days once title is clear, because there is no bank loan to wait on. For comparison, the median Wilmington listing in our records sits 91 days before it is even under contract, and closing takes another 30 to 45 days after that.
On owned land, yes. In a park with leased lots it depends on the park's approval process, and we will tell you quickly rather than string it out.
Excise tax, $1 per $500 of value, about 0.2% of the price. Seller pays it under N.C.G.S. § 105-228.30. Statewide rate. Seven coastal counties are authorised to add a local land transfer tax; none of them are markets we buy in. On a cash sale to us it comes out of our side of the settlement statement, not yours.
Yes. North Carolina closings are attorney-supervised. The attorney runs the title search, prepares the deed and records it, and no title agent can substitute.
North Carolina requires the Residential Property and Owners' Association Disclosure Statement plus a separate Mineral and Oil and Gas Rights Disclosure, both before the buyer makes an offer. You are allowed to answer 'No Representation' to any item, which is what an as-is or estate seller normally does. The citation is N.C.G.S. Chapter 47E. Selling the house as it is does not remove the obligation. It changes who pays for the repair, not whether you have to mention it.
On the median Wilmington sale price of $315,400 in our recorded-sales data, the listing route runs roughly $26,286 once you add agent commission, transfer tax, title and settlement fees, buyer concessions and repairs before listing, around 8% of the sale price. A cash sale to us carries none of those five line items.
There is no fixed percentage, and any buyer quoting one before seeing the house is guessing. The offer is what the house would sell for once repaired, minus repairs, minus holding and resale costs, minus the buyer's margin. Repairs are the line that moves most: a house needing only paint and finishes lands far higher than one needing a roof, heating, plumbing or wiring. Ask any buyer to walk you through all four lines on your house.
Sometimes, through a short sale, but that needs your lender's written approval and takes months, not days. If that is where things stand, we will tell you on the first call rather than let you find out two weeks in.
Yes. We buy in any condition. There are no repairs, no cleaning and no staging, and you can leave behind anything you do not want. Selling as it is changes who pays for the work, not what you have to disclose about it.
It means the purchase is paid for without a mortgage, so there is no lender, no appraisal and no financing contingency. That is the whole advantage: a buyer's loan falling through is a common reason a home sale falls apart, and it cannot happen on a cash purchase.
Check it against the recorded sales published on this page and the four lines of math above it. We show you the recent sales nearby that the number came from. If listing would leave you with more, we will say so. That conversation is quicker for both of us than the alternative.
None. There is no agent commission and no listing fee, and we cover standard closing costs. The number on the offer is what you receive, less anything still owed on a mortgage or lien.
No. The offer is written, free, and yours to walk away from. We would rather you compare it with a listing than feel pushed into it.
Send the address. Within a day you get a written offer, with the recent sales nearby behind it. If listing would leave you with more, we will tell you that instead.
Also see other North Carolina markets we buy in, how the offer is calculated, and the situations we help with.
Step 1 of 5
A few quick questions come next, then your written offer. There is no obligation.
You’ll talk to Trevor McAmis, Owner & Acquisitions Lead
(313) 710-6129
Takes about two minutes. Or call (313) 710-6129 — we answer.
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