28174 — Union County, North Carolina Market Snapshot
Housing market data for zip code 28174 in Union 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
$249,990
Days to Sell
56
Homes Sold
16
Inventory
5
Sale-to-List
99.7%
New Listings
5
Price/SqFt
$151
Pending Sales
N/A
Conforming Loan Available
Most homebuyers in 28174 can comfortably use conventional financing. The median home price of $249,990 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
28174's market is balanced with homes taking an average of 56 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 28174 (99.7% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 28174 can comfortably use conventional financing. The median home price of $249,990 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 28174 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 28174
To purchase the median home at $249,990 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,065.
Monthly Payment
$2,065
Income Required
$88,515
Principal & Interest
$1,540/mo
Down Payment (5%)
$12,500
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 28174.
Estimated Monthly Payment
$1,697
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