28124 — Stanly County, North Carolina Market Snapshot
Housing market data for zip code 28124 in Stanly County, North Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
16 sales in 2026 (year to date)
Median Sale Price
$444,000
Days to Sell
75
Homes Sold
16
Inventory
22
Sale-to-List
101.5%
New Listings
18
Price/SqFt
$221
Pending Sales
N/A
Conforming Loan Available
Most homebuyers in 28124 can comfortably use conventional financing. The median home price of $444,000 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
With homes sitting for 75 days on average, 28124 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
Homes are selling very close to asking price in 28124 (101.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 28124 can comfortably use conventional financing. The median home price of $444,000 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 28124 are set at the county level.
2026 Loan Limits — Stanly 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 28124
To purchase the median home at $444,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,552.
Monthly Payment
$3,552
Income Required
$152,220
Principal & Interest
$2,736/mo
Down Payment (5%)
$22,200
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 28124.
Estimated Monthly Payment
$2,898
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