28034 — Gaston County, North Carolina Market Snapshot
Housing market data for zip code 28034 in Gaston County, North Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
55 sales in 2026 (year to date)
Median Sale Price
$280,000
Days to Sell
82
Homes Sold
55
Inventory
77
Sale-to-List
97.5%
New Listings
75
Price/SqFt
$181
Pending Sales
N/A
Conforming Loan Available
Most homebuyers in 28034 can comfortably use conventional financing. The median home price of $280,000 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 82 days on average, 28034 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 28034 sells for 2.5% below asking price (97.5% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 28034 can comfortably use conventional financing. The median home price of $280,000 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 28034 are set at the county level.
2026 Loan Limits — Gaston 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 28034
To purchase the median home at $280,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,295.
Monthly Payment
$2,295
Income Required
$98,369
Principal & Interest
$1,725/mo
Down Payment (5%)
$14,000
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 28034.
Estimated Monthly Payment
$1,883
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 28034. Tell us what you're looking for.