27821 — Beaufort County, North Carolina Market Snapshot
Housing market data for zip code 27821 in Beaufort County, North Carolina. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 1 home sold in this ZIP code during the selected period. Statistics may not be representative. See the Beaufort County county page for broader data.
Market Sales Data
1 sales in 2023
Median Sale Price
$108,000
Days to Sell
3
Homes Sold
1
Inventory
N/A
Conforming Loan Available
Most homebuyers in 27821 can comfortably use conventional financing. The median home price of $108,000 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
27821 is an extremely competitive market with homes selling in just 3 days on average. Buyers need pre-approval letters ready before making offers.
Conforming Loan Feasibility
Most homebuyers in 27821 can comfortably use conventional financing. The median home price of $108,000 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 27821 are set at the county level.
2026 Loan Limits — Beaufort County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 27821
To purchase the median home at $108,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $977.
Monthly Payment
$977
Income Required
$41,891
Principal & Interest
$665/mo
Down Payment (5%)
$5,400
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 27821.
Estimated Monthly Payment
$818
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