28213 — Cabarrus County, North Carolina Market Snapshot
Housing market data for zip code 28213 in Cabarrus County, North Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
130 sales in 2026 (year to date)
Median Sale Price
$337,995
Days to Sell
64
Homes Sold
130
Inventory
176
Sale-to-List
98.4%
New Listings
215
Price/SqFt
$188
Pending Sales
N/A
Conforming Loan Available
Most homebuyers in 28213 can comfortably use conventional financing. The median home price of $337,995 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 64 days on average, 28213 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 28213 (98.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 28213 can comfortably use conventional financing. The median home price of $337,995 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 28213 are set at the county level.
2026 Loan Limits — Cabarrus 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 28213
To purchase the median home at $337,995 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,740.
Monthly Payment
$2,740
Income Required
$117,412
Principal & Interest
$2,083/mo
Down Payment (5%)
$16,900
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 28213.
Estimated Monthly Payment
$2,242
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