28504 — Jones County, North Carolina Market Snapshot
Housing market data for zip code 28504 in Jones County, North Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
29 sales in 2026 (year to date)
Median Sale Price
$238,500
Days to Sell
73
Homes Sold
29
Inventory
67
Sale-to-List
98.0%
New Listings
59
Price/SqFt
$121
Pending Sales
49
Conforming Loan Available
Most homebuyers in 28504 can comfortably use conventional financing. The median home price of $238,500 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 73 days on average, 28504 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 28504 sells for 2.0% below asking price (98.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 28504 can comfortably use conventional financing. The median home price of $238,500 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 28504 are set at the county level.
2026 Loan Limits — Jones 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 28504
To purchase the median home at $238,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,977.
Monthly Payment
$1,977
Income Required
$84,742
Principal & Interest
$1,470/mo
Down Payment (5%)
$11,925
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 28504.
Estimated Monthly Payment
$1,626
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 28504. Tell us what you're looking for.