27540 — Harnett County, North Carolina Market Snapshot
Housing market data for zip code 27540 in Harnett County, North Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
180 sales in 2026 (year to date)
Median Sale Price
$628,000
Days to Sell
22
Homes Sold
180
Inventory
138
Sale-to-List
99.5%
New Listings
253
Price/SqFt
$237
Pending Sales
203
Conforming Loan Available
Most homebuyers in 27540 can comfortably use conventional financing. The median home price of $628,000 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
Homes in 27540 are moving quickly at 22 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 27540 (99.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 27540 can comfortably use conventional financing. The median home price of $628,000 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 27540 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 27540
To purchase the median home at $628,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,962.
Monthly Payment
$4,962
Income Required
$212,637
Principal & Interest
$3,870/mo
Down Payment (5%)
$31,400
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 27540.
Estimated Monthly Payment
$4,037
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