28315 — Moore County, North Carolina Market Snapshot
Housing market data for zip code 28315 in Moore County, North Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
112 sales in 2026 (year to date)
Median Sale Price
$383,565
Days to Sell
96
Homes Sold
112
Inventory
158
Sale-to-List
98.8%
New Listings
165
Price/SqFt
$184
Pending Sales
145
Conforming Loan Available
Most homebuyers in 28315 can comfortably use conventional financing. The median home price of $383,565 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 96 days on average, 28315 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 28315 (98.8% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 28315 can comfortably use conventional financing. The median home price of $383,565 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 28315 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 28315
To purchase the median home at $383,565 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,089.
Monthly Payment
$3,089
Income Required
$132,375
Principal & Interest
$2,363/mo
Down Payment (5%)
$19,178
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 28315.
Estimated Monthly Payment
$2,524
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