27013 — Iredell County, North Carolina Market Snapshot
Housing market data for zip code 27013 in Iredell County, North Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
16 sales in 2026 (year to date)
Median Sale Price
$265,500
Days to Sell
112
Homes Sold
16
Inventory
17
Sale-to-List
95.4%
New Listings
16
Price/SqFt
$167
Pending Sales
N/A
Conforming Loan Available
Most homebuyers in 27013 can comfortably use conventional financing. The median home price of $265,500 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, 27013 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 27013 sells for 4.6% below asking price (95.4% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 27013 can comfortably use conventional financing. The median home price of $265,500 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 27013 are set at the county level.
2026 Loan Limits — Iredell 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 27013
To purchase the median home at $265,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,184.
Monthly Payment
$2,184
Income Required
$93,608
Principal & Interest
$1,636/mo
Down Payment (5%)
$13,275
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 27013.
Estimated Monthly Payment
$1,793
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