28314 — Cumberland County, North Carolina Market Snapshot
Housing market data for zip code 28314 in Cumberland County, North Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
175 sales in 2026 (year to date)
Median Sale Price
$235,500
Days to Sell
26
Homes Sold
175
Inventory
158
Sale-to-List
98.0%
New Listings
245
Price/SqFt
$149
Pending Sales
195
Conforming Loan Available
Most homebuyers in 28314 can comfortably use conventional financing. The median home price of $235,500 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
Homes in 28314 are moving quickly at 26 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
The average home in 28314 sells for 2.0% below asking price (98.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 28314 can comfortably use conventional financing. The median home price of $235,500 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 28314 are set at the county level.
2026 Loan Limits — Cumberland 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 28314
To purchase the median home at $235,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,954.
Monthly Payment
$1,954
Income Required
$83,757
Principal & Interest
$1,451/mo
Down Payment (5%)
$11,775
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 28314.
Estimated Monthly Payment
$1,607
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