28717 — Jackson County, North Carolina Market Snapshot
Housing market data for zip code 28717 in Jackson County, North Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
14 sales in 2026 (year to date)
Median Sale Price
$2,061,000
Days to Sell
72
Homes Sold
14
Inventory
78
Sale-to-List
92.4%
New Listings
51
Price/SqFt
$519
Pending Sales
13
Jumbo Loan Likely Needed
The median home in 28717 at $2,061,000 exceeds the 2026 conforming loan limit of $832,750 by $1,228,250. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Market Insights
Market Temperature
With homes sitting for 72 days on average, 28717 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 28717 sells for 7.6% below asking price (92.4% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 28717 at $2,061,000 exceeds the 2026 conforming loan limit of $832,750 by $1,228,250. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Loan limits in 28717 are set at the county level.
2026 Loan Limits — Jackson 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 28717
To purchase the median home at $2,061,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $15,941.
Monthly Payment
$15,941
Income Required
$683,174
Principal & Interest
$12,699/mo
Down Payment (5%)
$103,050
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 28717.
Estimated Monthly Payment
$12,905
Jumbo loan required. Loan amount exceeds the $832,750 conforming limit for 28717.
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