28312 — Bladen County, North Carolina Market Snapshot
Housing market data for zip code 28312 in Bladen County, North Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
74 sales in 2026 (year to date)
Median Sale Price
$341,250
Days to Sell
88
Homes Sold
74
Inventory
60
Sale-to-List
98.6%
New Listings
86
Price/SqFt
$157
Pending Sales
82
Conforming Loan Available
Most homebuyers in 28312 can comfortably use conventional financing. The median home price of $341,250 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 88 days on average, 28312 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
Homes are selling very close to asking price in 28312 (98.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 28312 can comfortably use conventional financing. The median home price of $341,250 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 28312 are set at the county level.
2026 Loan Limits — Bladen 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 28312
To purchase the median home at $341,250 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,765.
Monthly Payment
$2,765
Income Required
$118,481
Principal & Interest
$2,103/mo
Down Payment (5%)
$17,063
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 28312.
Estimated Monthly Payment
$2,262
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