27281 — Moore County, North Carolina Market Snapshot
Housing market data for zip code 27281 in Moore County, North Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
12 sales in 2026 (year to date)
Median Sale Price
$485,250
Days to Sell
62
Homes Sold
12
Inventory
27
Sale-to-List
98.6%
New Listings
20
Price/SqFt
$189
Pending Sales
8
Conforming Loan Available
Most homebuyers in 27281 can comfortably use conventional financing. The median home price of $485,250 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, 27281 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 27281 (98.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 27281 can comfortably use conventional financing. The median home price of $485,250 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 27281 are set at the county level.
2026 Loan Limits — Moore 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 27281
To purchase the median home at $485,250 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,868.
Monthly Payment
$3,868
Income Required
$165,764
Principal & Interest
$2,990/mo
Down Payment (5%)
$24,263
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 27281.
Estimated Monthly Payment
$3,153
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