28451 — Brunswick County, North Carolina Market Snapshot
Housing market data for zip code 28451 in Brunswick County, North Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
76 sales in 2026 (year to date)
Median Sale Price
$284,932
Days to Sell
101
Homes Sold
76
Inventory
76
Sale-to-List
98.5%
New Listings
89
Price/SqFt
$173
Pending Sales
87
Conforming Loan Available
Most homebuyers in 28451 can comfortably use conventional financing. The median home price of $284,932 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 101 days on average, 28451 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 28451 (98.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 28451 can comfortably use conventional financing. The median home price of $284,932 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 28451 are set at the county level.
2026 Loan Limits — Brunswick 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 28451
To purchase the median home at $284,932 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,333.
Monthly Payment
$2,333
Income Required
$99,988
Principal & Interest
$1,756/mo
Down Payment (5%)
$14,247
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 28451.
Estimated Monthly Payment
$1,913
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