28610 — Catawba County, North Carolina Market Snapshot
Housing market data for zip code 28610 in Catawba County, North Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
28 sales in 2026 (year to date)
Median Sale Price
$322,250
Days to Sell
43
Homes Sold
28
Inventory
31
Sale-to-List
97.5%
New Listings
39
Price/SqFt
$200
Pending Sales
34
Conforming Loan Available
Most homebuyers in 28610 can comfortably use conventional financing. The median home price of $322,250 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
28610's market is balanced with homes taking an average of 43 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 28610 sells for 2.5% below asking price (97.5% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 28610 can comfortably use conventional financing. The median home price of $322,250 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 28610 are set at the county level.
2026 Loan Limits — Catawba 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 28610
To purchase the median home at $322,250 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,619.
Monthly Payment
$2,619
Income Required
$112,242
Principal & Interest
$1,986/mo
Down Payment (5%)
$16,113
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 28610.
Estimated Monthly Payment
$2,144
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