28746 — Rutherford County, North Carolina Market Snapshot
Housing market data for zip code 28746 in Rutherford County, North Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
28 sales in 2026 (year to date)
Median Sale Price
$562,500
Days to Sell
162
Homes Sold
28
Inventory
118
Sale-to-List
97.1%
New Listings
92
Price/SqFt
$274
Pending Sales
39
Conforming Loan Available
Most homebuyers in 28746 can comfortably use conventional financing. The median home price of $562,500 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 162 days on average, 28746 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 28746 sells for 2.9% below asking price (97.1% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 28746 can comfortably use conventional financing. The median home price of $562,500 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 28746 are set at the county level.
2026 Loan Limits — Rutherford 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 28746
To purchase the median home at $562,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,460.
Monthly Payment
$4,460
Income Required
$191,130
Principal & Interest
$3,466/mo
Down Payment (5%)
$28,125
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 28746.
Estimated Monthly Payment
$3,631
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 28746. Tell us what you're looking for.