28394 — Moore County, North Carolina Market Snapshot
Housing market data for zip code 28394 in Moore County, North Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
61 sales in 2026 (year to date)
Median Sale Price
$403,990
Days to Sell
89
Homes Sold
61
Inventory
73
Sale-to-List
99.5%
New Listings
71
Price/SqFt
$183
Pending Sales
65
Conforming Loan Available
Most homebuyers in 28394 can comfortably use conventional financing. The median home price of $403,990 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 89 days on average, 28394 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 28394 (99.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 28394 can comfortably use conventional financing. The median home price of $403,990 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 28394 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 28394
To purchase the median home at $403,990 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,245.
Monthly Payment
$3,245
Income Required
$139,082
Principal & Interest
$2,489/mo
Down Payment (5%)
$20,200
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 28394.
Estimated Monthly Payment
$2,650
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