28574 — Jones County, North Carolina Market Snapshot
Housing market data for zip code 28574 in Jones County, North Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
128 sales in 2026 (year to date)
Median Sale Price
$294,495
Days to Sell
53
Homes Sold
128
Inventory
109
Sale-to-List
99.2%
New Listings
138
Price/SqFt
$178
Pending Sales
159
Conforming Loan Available
Most homebuyers in 28574 can comfortably use conventional financing. The median home price of $294,495 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
28574's market is balanced with homes taking an average of 53 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 28574 (99.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 28574 can comfortably use conventional financing. The median home price of $294,495 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 28574 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 28574
To purchase the median home at $294,495 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,406.
Monthly Payment
$2,406
Income Required
$103,128
Principal & Interest
$1,815/mo
Down Payment (5%)
$14,725
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 28574.
Estimated Monthly Payment
$1,973
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