28163 — Stanly County, North Carolina Market Snapshot
Housing market data for zip code 28163 in Stanly County, North Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
20 sales in 2026 (year to date)
Median Sale Price
$428,450
Days to Sell
63
Homes Sold
20
Inventory
31
Sale-to-List
99.6%
New Listings
34
Price/SqFt
$199
Pending Sales
24
Conforming Loan Available
Most homebuyers in 28163 can comfortably use conventional financing. The median home price of $428,450 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 63 days on average, 28163 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 28163 (99.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 28163 can comfortably use conventional financing. The median home price of $428,450 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 28163 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 28163
To purchase the median home at $428,450 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,433.
Monthly Payment
$3,433
Income Required
$147,113
Principal & Interest
$2,640/mo
Down Payment (5%)
$21,423
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 28163.
Estimated Monthly Payment
$2,802
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