28681 — Alexander County, North Carolina Market Snapshot
Housing market data for zip code 28681 in Alexander County, North Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
52 sales in 2026 (year to date)
Median Sale Price
$305,750
Days to Sell
62
Homes Sold
52
Inventory
63
Sale-to-List
96.9%
New Listings
71
Price/SqFt
$203
Pending Sales
58
Conforming Loan Available
Most homebuyers in 28681 can comfortably use conventional financing. The median home price of $305,750 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 62 days on average, 28681 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 28681 sells for 3.1% below asking price (96.9% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 28681 can comfortably use conventional financing. The median home price of $305,750 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 28681 are set at the county level.
2026 Loan Limits — Alexander 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 28681
To purchase the median home at $305,750 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,493.
Monthly Payment
$2,493
Income Required
$106,824
Principal & Interest
$1,884/mo
Down Payment (5%)
$15,288
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 28681.
Estimated Monthly Payment
$2,042
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