27921 — Camden County, North Carolina Market Snapshot
Housing market data for zip code 27921 in Camden County, North Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
33 sales in 2026 (year to date)
Median Sale Price
$449,900
Days to Sell
129
Homes Sold
33
Inventory
26
Sale-to-List
98.2%
New Listings
43
Price/SqFt
$227
Pending Sales
43
Conforming Loan Available
Most homebuyers in 27921 can comfortably use conventional financing. The median home price of $449,900 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 129 days on average, 27921 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 27921 (98.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 27921 can comfortably use conventional financing. The median home price of $449,900 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 27921 are set at the county level.
2026 Loan Limits — Camden County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $757,850 |
| 2 Units | $1,066,250 | $970,200 |
| 3 Units | $1,288,800 | $1,172,750 |
| 4 Units | $1,601,750 | $1,457,450 |
Affordability Snapshot — Zip 27921
To purchase the median home at $449,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,597.
Monthly Payment
$3,597
Income Required
$154,157
Principal & Interest
$2,772/mo
Down Payment (5%)
$22,495
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 27921.
Estimated Monthly Payment
$2,934
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