28742 — Henderson County, North Carolina Market Snapshot
Housing market data for zip code 28742 in Henderson County, North Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
11 sales in 2026 (year to date)
Median Sale Price
$420,000
Days to Sell
112
Homes Sold
11
Inventory
16
Sale-to-List
99.4%
New Listings
13
Price/SqFt
$267
Pending Sales
8
Conforming Loan Available
Most homebuyers in 28742 can comfortably use conventional financing. The median home price of $420,000 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 112 days on average, 28742 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 28742 (99.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 28742 can comfortably use conventional financing. The median home price of $420,000 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 28742 are set at the county level.
2026 Loan Limits — Henderson 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 28742
To purchase the median home at $420,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,368.
Monthly Payment
$3,368
Income Required
$144,339
Principal & Interest
$2,588/mo
Down Payment (5%)
$21,000
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 28742.
Estimated Monthly Payment
$2,749
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