28210 — Mecklenburg County, North Carolina Market Snapshot
Housing market data for zip code 28210 in Mecklenburg County, North Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
114 sales in 2026 (year to date)
Median Sale Price
$732,500
Days to Sell
33
Homes Sold
114
Inventory
88
Sale-to-List
100.7%
New Listings
169
Price/SqFt
$363
Pending Sales
N/A
Conforming Loan Available
The median home in 28210 at $732,500 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Market Insights
Market Temperature
28210's market is balanced with homes taking an average of 33 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 28210 (100.7% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 28210 at $732,500 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 28210 are set at the county level.
2026 Loan Limits — Mecklenburg 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 28210
To purchase the median home at $732,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,762.
Monthly Payment
$5,762
Income Required
$246,951
Principal & Interest
$4,513/mo
Down Payment (5%)
$36,625
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 28210.
Estimated Monthly Payment
$4,683
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