27546 — Harnett County, North Carolina Market Snapshot
Housing market data for zip code 27546 in Harnett County, North Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
195 sales in 2026 (year to date)
Median Sale Price
$326,000
Days to Sell
108
Homes Sold
195
Inventory
288
Sale-to-List
99.1%
New Listings
274
Price/SqFt
$160
Pending Sales
217
Conforming Loan Available
Most homebuyers in 27546 can comfortably use conventional financing. The median home price of $326,000 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 108 days on average, 27546 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 27546 (99.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 27546 can comfortably use conventional financing. The median home price of $326,000 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 27546 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 27546
To purchase the median home at $326,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,648.
Monthly Payment
$2,648
Income Required
$113,473
Principal & Interest
$2,009/mo
Down Payment (5%)
$16,300
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 27546.
Estimated Monthly Payment
$2,168
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 27546. Tell us what you're looking for.