28605 — Caldwell County, North Carolina Market Snapshot
Housing market data for zip code 28605 in Caldwell County, North Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
33 sales in 2026 (year to date)
Median Sale Price
$751,000
Days to Sell
160
Homes Sold
33
Inventory
64
Sale-to-List
96.4%
New Listings
68
Price/SqFt
$356
Pending Sales
46
Conforming Loan Available
The median home in 28605 at $751,000 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Market Insights
Market Temperature
With homes sitting for 160 days on average, 28605 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 28605 sells for 3.6% below asking price (96.4% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 28605 at $751,000 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 28605 are set at the county level.
2026 Loan Limits — Caldwell 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 28605
To purchase the median home at $751,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,904.
Monthly Payment
$5,904
Income Required
$253,025
Principal & Interest
$4,627/mo
Down Payment (5%)
$37,550
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 28605.
Estimated Monthly Payment
$4,798
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