27501 — Harnett County, North Carolina Market Snapshot
Housing market data for zip code 27501 in Harnett County, North Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
198 sales in 2026 (year to date)
Median Sale Price
$359,450
Days to Sell
83
Homes Sold
198
Inventory
182
Sale-to-List
98.8%
New Listings
205
Price/SqFt
$173
Pending Sales
229
Conforming Loan Available
Most homebuyers in 27501 can comfortably use conventional financing. The median home price of $359,450 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 83 days on average, 27501 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 27501 (98.8% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 27501 can comfortably use conventional financing. The median home price of $359,450 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 27501 are set at the county level.
2026 Loan Limits — Harnett 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 27501
To purchase the median home at $359,450 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,904.
Monthly Payment
$2,904
Income Required
$124,457
Principal & Interest
$2,215/mo
Down Payment (5%)
$17,973
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 27501.
Estimated Monthly Payment
$2,375
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