28570 — Carteret County, North Carolina Market Snapshot
Housing market data for zip code 28570 in Carteret County, North Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
64 sales in 2026 (year to date)
Median Sale Price
$396,029
Days to Sell
61
Homes Sold
64
Inventory
98
Sale-to-List
98.5%
New Listings
115
Price/SqFt
$220
Pending Sales
90
Conforming Loan Available
Most homebuyers in 28570 can comfortably use conventional financing. The median home price of $396,029 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, 28570 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 28570 (98.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 28570 can comfortably use conventional financing. The median home price of $396,029 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 28570 are set at the county level.
2026 Loan Limits — Carteret 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 28570
To purchase the median home at $396,029 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,184.
Monthly Payment
$3,184
Income Required
$136,468
Principal & Interest
$2,440/mo
Down Payment (5%)
$19,801
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 28570.
Estimated Monthly Payment
$2,601
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