27976 — Camden County, North Carolina Market Snapshot
Housing market data for zip code 27976 in Camden County, North Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
40 sales in 2026 (year to date)
Median Sale Price
$439,950
Days to Sell
93
Homes Sold
40
Inventory
20
Sale-to-List
100.9%
New Listings
45
Price/SqFt
$210
Pending Sales
36
Conforming Loan Available
Most homebuyers in 27976 can comfortably use conventional financing. The median home price of $439,950 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 93 days on average, 27976 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 27976 (100.9% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 27976 can comfortably use conventional financing. The median home price of $439,950 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 27976 are set at the county level.
2026 Loan Limits — Camden County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $757,850 |
| 2 Units | $1,066,250 | $970,200 |
| 3 Units | $1,288,800 | $1,172,750 |
| 4 Units | $1,601,750 | $1,457,450 |
Affordability Snapshot — Zip 27976
To purchase the median home at $439,950 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,521.
Monthly Payment
$3,521
Income Required
$150,890
Principal & Interest
$2,711/mo
Down Payment (5%)
$21,998
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 27976.
Estimated Monthly Payment
$2,873
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