28732 — Buncombe County, North Carolina Market Snapshot
Housing market data for zip code 28732 in Buncombe County, North Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
12 sales in 2026 (year to date)
Median Sale Price
$276,000
Days to Sell
103
Homes Sold
12
Inventory
18
Sale-to-List
98.4%
New Listings
16
Price/SqFt
$213
Pending Sales
14
Conforming Loan Available
Most homebuyers in 28732 can comfortably use conventional financing. The median home price of $276,000 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
With homes sitting for 103 days on average, 28732 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 28732 (98.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 28732 can comfortably use conventional financing. The median home price of $276,000 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 28732 are set at the county level.
2026 Loan Limits — Buncombe 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 28732
To purchase the median home at $276,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,265.
Monthly Payment
$2,265
Income Required
$97,055
Principal & Interest
$1,701/mo
Down Payment (5%)
$13,800
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 28732.
Estimated Monthly Payment
$1,858
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 28732. Tell us what you're looking for.