28779 — Jackson County, North Carolina Market Snapshot
Housing market data for zip code 28779 in Jackson County, North Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
44 sales in 2026 (year to date)
Median Sale Price
$367,500
Days to Sell
181
Homes Sold
44
Inventory
117
Sale-to-List
96.0%
New Listings
78
Price/SqFt
$204
Pending Sales
61
Conforming Loan Available
Most homebuyers in 28779 can comfortably use conventional financing. The median home price of $367,500 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 181 days on average, 28779 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 28779 sells for 4.0% below asking price (96.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 28779 can comfortably use conventional financing. The median home price of $367,500 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 28779 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 28779
To purchase the median home at $367,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,966.
Monthly Payment
$2,966
Income Required
$127,100
Principal & Interest
$2,264/mo
Down Payment (5%)
$18,375
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 28779.
Estimated Monthly Payment
$2,424
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