28351 — Richmond County, North Carolina Market Snapshot
Housing market data for zip code 28351 in Richmond County, North Carolina. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 1 home sold in this ZIP code during the selected period. Statistics may not be representative. See the Richmond County county page for broader data.
Market Sales Data
1 sales in 2026 (year to date)
Median Sale Price
$189,000
Days to Sell
57
Homes Sold
1
Inventory
4
Conforming Loan Available
Most homebuyers in 28351 can comfortably use conventional financing. The median home price of $189,000 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
28351's market is balanced with homes taking an average of 57 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Conforming Loan Feasibility
Most homebuyers in 28351 can comfortably use conventional financing. The median home price of $189,000 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 28351 are set at the county level.
2026 Loan Limits — Richmond 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 28351
To purchase the median home at $189,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,598.
Monthly Payment
$1,598
Income Required
$68,488
Principal & Interest
$1,165/mo
Down Payment (5%)
$9,450
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 28351.
Estimated Monthly Payment
$1,320
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 28351. Tell us what you're looking for.