28609 — Catawba County, North Carolina Market Snapshot
Housing market data for zip code 28609 in Catawba County, North Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
32 sales in 2026 (year to date)
Median Sale Price
$342,500
Days to Sell
66
Homes Sold
32
Inventory
53
Sale-to-List
97.1%
New Listings
57
Price/SqFt
$153
Pending Sales
47
Conforming Loan Available
Most homebuyers in 28609 can comfortably use conventional financing. The median home price of $342,500 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 66 days on average, 28609 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 28609 sells for 2.9% below asking price (97.1% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 28609 can comfortably use conventional financing. The median home price of $342,500 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 28609 are set at the county level.
2026 Loan Limits — Catawba 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 28609
To purchase the median home at $342,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,774.
Monthly Payment
$2,774
Income Required
$118,891
Principal & Interest
$2,110/mo
Down Payment (5%)
$17,125
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 28609.
Estimated Monthly Payment
$2,270
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