28786 — Haywood County, North Carolina Market Snapshot
Housing market data for zip code 28786 in Haywood County, North Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
87 sales in 2026 (year to date)
Median Sale Price
$407,000
Days to Sell
82
Homes Sold
87
Inventory
160
Sale-to-List
98.0%
New Listings
129
Price/SqFt
$252
Pending Sales
103
Conforming Loan Available
Most homebuyers in 28786 can comfortably use conventional financing. The median home price of $407,000 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, 28786 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 28786 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 28786 can comfortably use conventional financing. The median home price of $407,000 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 28786 are set at the county level.
2026 Loan Limits — Haywood 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 28786
To purchase the median home at $407,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,268.
Monthly Payment
$3,268
Income Required
$140,070
Principal & Interest
$2,508/mo
Down Payment (5%)
$20,350
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 28786.
Estimated Monthly Payment
$2,669
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