28396 — Scotland County, North Carolina Market Snapshot
Housing market data for zip code 28396 in Scotland County, North Carolina. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 8 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the Scotland County county page for broader data.
Market Sales Data
8 sales in 2026 (year to date)
Median Sale Price
$384,900
Days to Sell
179
Homes Sold
8
Inventory
23
Conforming Loan Available
Most homebuyers in 28396 can comfortably use conventional financing. The median home price of $384,900 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 179 days on average, 28396 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Conforming Loan Feasibility
Most homebuyers in 28396 can comfortably use conventional financing. The median home price of $384,900 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 28396 are set at the county level.
2026 Loan Limits — Scotland 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 28396
To purchase the median home at $384,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,099.
Monthly Payment
$3,099
Income Required
$132,813
Principal & Interest
$2,372/mo
Down Payment (5%)
$19,245
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 28396.
Estimated Monthly Payment
$2,532
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 28396. Tell us what you're looking for.