27536 — Vance County, North Carolina Market Snapshot
Housing market data for zip code 27536 in Vance County, North Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
38 sales in 2026 (year to date)
Median Sale Price
$196,500
Days to Sell
54
Homes Sold
38
Inventory
53
Sale-to-List
97.5%
New Listings
47
Price/SqFt
$132
Pending Sales
39
Conforming Loan Available
Most homebuyers in 27536 can comfortably use conventional financing. The median home price of $196,500 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
27536's market is balanced with homes taking an average of 54 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 27536 sells for 2.5% below asking price (97.5% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 27536 can comfortably use conventional financing. The median home price of $196,500 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 27536 are set at the county level.
2026 Loan Limits — Vance 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 27536
To purchase the median home at $196,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,656.
Monthly Payment
$1,656
Income Required
$70,951
Principal & Interest
$1,211/mo
Down Payment (5%)
$9,825
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 27536.
Estimated Monthly Payment
$1,366
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