27545 — Wake County, North Carolina Market Snapshot
Housing market data for zip code 27545 in Wake County, North Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
142 sales in 2026 (year to date)
Median Sale Price
$374,999
Days to Sell
63
Homes Sold
142
Inventory
153
Sale-to-List
98.6%
New Listings
200
Price/SqFt
$187
Pending Sales
165
Conforming Loan Available
Most homebuyers in 27545 can comfortably use conventional financing. The median home price of $374,999 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 63 days on average, 27545 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 27545 (98.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 27545 can comfortably use conventional financing. The median home price of $374,999 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 27545 are set at the county level.
2026 Loan Limits — Wake 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 27545
To purchase the median home at $374,999 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,023.
Monthly Payment
$3,023
Income Required
$129,562
Principal & Interest
$2,311/mo
Down Payment (5%)
$18,750
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 27545.
Estimated Monthly Payment
$2,471
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 27545. Tell us what you're looking for.