27288 — Rockingham County, North Carolina Market Snapshot
Housing market data for zip code 27288 in Rockingham County, North Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
78 sales in 2026 (year to date)
Median Sale Price
$206,495
Days to Sell
89
Homes Sold
78
Inventory
116
Sale-to-List
95.9%
New Listings
122
Price/SqFt
$134
Pending Sales
120
Conforming Loan Available
Most homebuyers in 27288 can comfortably use conventional financing. The median home price of $206,495 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 89 days on average, 27288 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 27288 sells for 4.1% below asking price (95.9% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 27288 can comfortably use conventional financing. The median home price of $206,495 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 27288 are set at the county level.
2026 Loan Limits — Rockingham 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 27288
To purchase the median home at $206,495 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,732.
Monthly Payment
$1,732
Income Required
$74,233
Principal & Interest
$1,272/mo
Down Payment (5%)
$10,325
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 27288.
Estimated Monthly Payment
$1,428
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