28621 — Wilkes County, North Carolina Market Snapshot
Housing market data for zip code 28621 in Wilkes County, North Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
23 sales in 2026 (year to date)
Median Sale Price
$257,000
Days to Sell
79
Homes Sold
23
Inventory
32
Sale-to-List
96.8%
New Listings
31
Price/SqFt
$170
Pending Sales
24
Conforming Loan Available
Most homebuyers in 28621 can comfortably use conventional financing. The median home price of $257,000 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 79 days on average, 28621 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
The average home in 28621 sells for 3.2% below asking price (96.8% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 28621 can comfortably use conventional financing. The median home price of $257,000 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 28621 are set at the county level.
2026 Loan Limits — Wilkes 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 28621
To purchase the median home at $257,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,119.
Monthly Payment
$2,119
Income Required
$90,816
Principal & Interest
$1,584/mo
Down Payment (5%)
$12,850
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 28621.
Estimated Monthly Payment
$1,741
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 28621. Tell us what you're looking for.