27576 — Johnston County, North Carolina Market Snapshot
Housing market data for zip code 27576 in Johnston County, North Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
98 sales in 2026 (year to date)
Median Sale Price
$319,706
Days to Sell
101
Homes Sold
98
Inventory
132
Sale-to-List
98.2%
New Listings
118
Price/SqFt
$198
Pending Sales
102
Conforming Loan Available
Most homebuyers in 27576 can comfortably use conventional financing. The median home price of $319,706 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 101 days on average, 27576 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 27576 (98.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 27576 can comfortably use conventional financing. The median home price of $319,706 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 27576 are set at the county level.
2026 Loan Limits — Johnston 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 27576
To purchase the median home at $319,706 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,599.
Monthly Payment
$2,599
Income Required
$111,407
Principal & Interest
$1,970/mo
Down Payment (5%)
$15,985
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 27576.
Estimated Monthly Payment
$2,129
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