28269 — Cabarrus County, North Carolina Market Snapshot
Housing market data for zip code 28269 in Cabarrus County, North Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
97 sales in 2026 (year to date)
Median Sale Price
$339,990
Days to Sell
83
Homes Sold
97
Inventory
140
Sale-to-List
98.9%
New Listings
140
Price/SqFt
$203
Pending Sales
N/A
Conforming Loan Available
Most homebuyers in 28269 can comfortably use conventional financing. The median home price of $339,990 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 83 days on average, 28269 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 28269 (98.9% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 28269 can comfortably use conventional financing. The median home price of $339,990 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 28269 are set at the county level.
2026 Loan Limits — Cabarrus 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 28269
To purchase the median home at $339,990 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,755.
Monthly Payment
$2,755
Income Required
$118,067
Principal & Interest
$2,095/mo
Down Payment (5%)
$17,000
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 28269.
Estimated Monthly Payment
$2,254
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