28586 — Beaufort County, North Carolina Market Snapshot
Housing market data for zip code 28586 in Beaufort County, North Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
10 sales in 2026 (year to date)
Median Sale Price
$226,310
Days to Sell
127
Homes Sold
10
Inventory
11
Sale-to-List
94.3%
New Listings
11
Price/SqFt
$160
Pending Sales
12
Conforming Loan Available
Most homebuyers in 28586 can comfortably use conventional financing. The median home price of $226,310 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
With homes sitting for 127 days on average, 28586 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
The average home in 28586 sells for 5.7% below asking price (94.3% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 28586 can comfortably use conventional financing. The median home price of $226,310 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 28586 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 28586
To purchase the median home at $226,310 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,884.
Monthly Payment
$1,884
Income Required
$80,739
Principal & Interest
$1,394/mo
Down Payment (5%)
$11,316
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 28586.
Estimated Monthly Payment
$1,551
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