28073 — Cleveland County, North Carolina Market Snapshot
Housing market data for zip code 28073 in Cleveland County, North Carolina. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 1 home sold in this ZIP code during the selected period. Statistics may not be representative. See the Cleveland County county page for broader data.
Market Sales Data
1 sales in 2026 (year to date)
Median Sale Price
$199,990
Days to Sell
27
Homes Sold
1
Inventory
N/A
Conforming Loan Available
Most homebuyers in 28073 can comfortably use conventional financing. The median home price of $199,990 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
Homes in 28073 are moving quickly at 27 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Conforming Loan Feasibility
Most homebuyers in 28073 can comfortably use conventional financing. The median home price of $199,990 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 28073 are set at the county level.
2026 Loan Limits — Cleveland 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 28073
To purchase the median home at $199,990 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,682.
Monthly Payment
$1,682
Income Required
$72,097
Principal & Interest
$1,232/mo
Down Payment (5%)
$10,000
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 28073.
Estimated Monthly Payment
$1,388
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