28079 — Union County, North Carolina Market Snapshot
Housing market data for zip code 28079 in Union County, North Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
201 sales in 2026 (year to date)
Median Sale Price
$490,605
Days to Sell
77
Homes Sold
201
Inventory
171
Sale-to-List
99.2%
New Listings
224
Price/SqFt
$200
Pending Sales
N/A
Conforming Loan Available
Most homebuyers in 28079 can comfortably use conventional financing. The median home price of $490,605 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 77 days on average, 28079 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 28079 (99.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 28079 can comfortably use conventional financing. The median home price of $490,605 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 28079 are set at the county level.
2026 Loan Limits — Union 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 28079
To purchase the median home at $490,605 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,909.
Monthly Payment
$3,909
Income Required
$167,522
Principal & Interest
$3,023/mo
Down Payment (5%)
$24,530
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 28079.
Estimated Monthly Payment
$3,186
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