28630 — Caldwell County, North Carolina Market Snapshot
Housing market data for zip code 28630 in Caldwell County, North Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
51 sales in 2026 (year to date)
Median Sale Price
$288,000
Days to Sell
61
Homes Sold
51
Inventory
71
Sale-to-List
97.3%
New Listings
72
Price/SqFt
$186
Pending Sales
60
Conforming Loan Available
Most homebuyers in 28630 can comfortably use conventional financing. The median home price of $288,000 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 61 days on average, 28630 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 28630 sells for 2.7% below asking price (97.3% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 28630 can comfortably use conventional financing. The median home price of $288,000 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 28630 are set at the county level.
2026 Loan Limits — Caldwell 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 28630
To purchase the median home at $288,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,357.
Monthly Payment
$2,357
Income Required
$100,995
Principal & Interest
$1,775/mo
Down Payment (5%)
$14,400
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 28630.
Estimated Monthly Payment
$1,932
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