28107 — Union County, North Carolina Market Snapshot
Housing market data for zip code 28107 in Union County, North Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
36 sales in 2026 (year to date)
Median Sale Price
$399,422
Days to Sell
45
Homes Sold
36
Inventory
46
Sale-to-List
99.2%
New Listings
59
Price/SqFt
$192
Pending Sales
N/A
Conforming Loan Available
Most homebuyers in 28107 can comfortably use conventional financing. The median home price of $399,422 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
28107's market is balanced with homes taking an average of 45 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 28107 (99.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 28107 can comfortably use conventional financing. The median home price of $399,422 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 28107 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 28107
To purchase the median home at $399,422 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,210.
Monthly Payment
$3,210
Income Required
$137,582
Principal & Interest
$2,461/mo
Down Payment (5%)
$19,971
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 28107.
Estimated Monthly Payment
$2,622
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