28718 — Transylvania County, North Carolina Market Snapshot
Housing market data for zip code 28718 in Transylvania County, North Carolina. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 2 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the Transylvania County county page for broader data.
Market Sales Data
2 sales in 2026 (year to date)
Median Sale Price
$262,000
Days to Sell
178
Homes Sold
2
Inventory
4
Conforming Loan Available
Most homebuyers in 28718 can comfortably use conventional financing. The median home price of $262,000 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 178 days on average, 28718 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 28718 can comfortably use conventional financing. The median home price of $262,000 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 28718 are set at the county level.
2026 Loan Limits — Transylvania 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 28718
To purchase the median home at $262,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,157.
Monthly Payment
$2,157
Income Required
$92,458
Principal & Interest
$1,614/mo
Down Payment (5%)
$13,100
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 28718.
Estimated Monthly Payment
$1,771
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