28146 — Rowan County, North Carolina Market Snapshot
Housing market data for zip code 28146 in Rowan County, North Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
110 sales in 2026 (year to date)
Median Sale Price
$330,000
Days to Sell
56
Homes Sold
110
Inventory
140
Sale-to-List
97.3%
New Listings
146
Price/SqFt
$192
Pending Sales
N/A
Conforming Loan Available
Most homebuyers in 28146 can comfortably use conventional financing. The median home price of $330,000 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
28146's market is balanced with homes taking an average of 56 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 28146 sells for 2.7% below asking price (97.3% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 28146 can comfortably use conventional financing. The median home price of $330,000 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 28146 are set at the county level.
2026 Loan Limits — Rowan 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 28146
To purchase the median home at $330,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,678.
Monthly Payment
$2,678
Income Required
$114,787
Principal & Interest
$2,033/mo
Down Payment (5%)
$16,500
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 28146.
Estimated Monthly Payment
$2,192
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