28512 — Carteret County, North Carolina Market Snapshot
Housing market data for zip code 28512 in Carteret County, North Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
71 sales in 2026 (year to date)
Median Sale Price
$651,000
Days to Sell
80
Homes Sold
71
Inventory
171
Sale-to-List
96.4%
New Listings
139
Price/SqFt
$451
Pending Sales
91
Conforming Loan Available
Most homebuyers in 28512 can comfortably use conventional financing. The median home price of $651,000 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 80 days on average, 28512 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 28512 sells for 3.6% below asking price (96.4% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 28512 can comfortably use conventional financing. The median home price of $651,000 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 28512 are set at the county level.
2026 Loan Limits — Carteret 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 28512
To purchase the median home at $651,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,138.
Monthly Payment
$5,138
Income Required
$220,189
Principal & Interest
$4,011/mo
Down Payment (5%)
$32,550
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 28512.
Estimated Monthly Payment
$4,179
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