28590 — Pitt County, North Carolina Market Snapshot
Housing market data for zip code 28590 in Pitt County, North Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
123 sales in 2026 (year to date)
Median Sale Price
$316,990
Days to Sell
47
Homes Sold
123
Inventory
118
Sale-to-List
99.2%
New Listings
170
Price/SqFt
$167
Pending Sales
146
Conforming Loan Available
Most homebuyers in 28590 can comfortably use conventional financing. The median home price of $316,990 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
28590's market is balanced with homes taking an average of 47 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 28590 (99.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 28590 can comfortably use conventional financing. The median home price of $316,990 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 28590 are set at the county level.
2026 Loan Limits — Pitt 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 28590
To purchase the median home at $316,990 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,579.
Monthly Payment
$2,579
Income Required
$110,515
Principal & Interest
$1,953/mo
Down Payment (5%)
$15,850
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 28590.
Estimated Monthly Payment
$2,112
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 28590. Tell us what you're looking for.