28379 — Richmond County, North Carolina Market Snapshot
Housing market data for zip code 28379 in Richmond County, North Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
44 sales in 2026 (year to date)
Median Sale Price
$227,500
Days to Sell
81
Homes Sold
44
Inventory
66
Sale-to-List
95.2%
New Listings
67
Price/SqFt
$115
Pending Sales
71
Conforming Loan Available
Most homebuyers in 28379 can comfortably use conventional financing. The median home price of $227,500 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 81 days on average, 28379 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 28379 sells for 4.8% below asking price (95.2% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 28379 can comfortably use conventional financing. The median home price of $227,500 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 28379 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 28379
To purchase the median home at $227,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,893.
Monthly Payment
$1,893
Income Required
$81,130
Principal & Interest
$1,402/mo
Down Payment (5%)
$11,375
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 28379.
Estimated Monthly Payment
$1,558
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