28510 — Pamlico County, North Carolina Market Snapshot
Housing market data for zip code 28510 in Pamlico County, North Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
13 sales in 2026 (year to date)
Median Sale Price
$450,000
Days to Sell
69
Homes Sold
13
Inventory
27
Sale-to-List
96.2%
New Listings
15
Price/SqFt
$276
Pending Sales
19
Conforming Loan Available
Most homebuyers in 28510 can comfortably use conventional financing. The median home price of $450,000 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 69 days on average, 28510 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
The average home in 28510 sells for 3.8% below asking price (96.2% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 28510 can comfortably use conventional financing. The median home price of $450,000 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 28510 are set at the county level.
2026 Loan Limits — Pamlico 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 28510
To purchase the median home at $450,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,598.
Monthly Payment
$3,598
Income Required
$154,190
Principal & Interest
$2,773/mo
Down Payment (5%)
$22,500
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 28510.
Estimated Monthly Payment
$2,935
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