28454 — Pender County, North Carolina Market Snapshot
Housing market data for zip code 28454 in Pender County, North Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
14 sales in 2026 (year to date)
Median Sale Price
$306,000
Days to Sell
55
Homes Sold
14
Inventory
8
Sale-to-List
99.6%
New Listings
15
Price/SqFt
$175
Pending Sales
19
Conforming Loan Available
Most homebuyers in 28454 can comfortably use conventional financing. The median home price of $306,000 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
28454's market is balanced with homes taking an average of 55 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 28454 (99.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 28454 can comfortably use conventional financing. The median home price of $306,000 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 28454 are set at the county level.
2026 Loan Limits — Pender 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 28454
To purchase the median home at $306,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,494.
Monthly Payment
$2,494
Income Required
$106,906
Principal & Interest
$1,885/mo
Down Payment (5%)
$15,300
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 28454.
Estimated Monthly Payment
$2,044
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