28555 — Jones County, North Carolina Market Snapshot
Housing market data for zip code 28555 in Jones County, North Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
34 sales in 2026 (year to date)
Median Sale Price
$309,450
Days to Sell
62
Homes Sold
34
Inventory
39
Sale-to-List
99.5%
New Listings
41
Price/SqFt
$176
Pending Sales
48
Conforming Loan Available
Most homebuyers in 28555 can comfortably use conventional financing. The median home price of $309,450 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 62 days on average, 28555 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 28555 (99.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 28555 can comfortably use conventional financing. The median home price of $309,450 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 28555 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 28555
To purchase the median home at $309,450 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,521.
Monthly Payment
$2,521
Income Required
$108,039
Principal & Interest
$1,907/mo
Down Payment (5%)
$15,473
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 28555.
Estimated Monthly Payment
$2,065
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