28152 — Cleveland County, North Carolina Market Snapshot
Housing market data for zip code 28152 in Cleveland County, North Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
75 sales in 2026 (year to date)
Median Sale Price
$259,997
Days to Sell
67
Homes Sold
75
Inventory
143
Sale-to-List
97.7%
New Listings
120
Price/SqFt
$159
Pending Sales
110
Conforming Loan Available
Most homebuyers in 28152 can comfortably use conventional financing. The median home price of $259,997 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 67 days on average, 28152 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 28152 sells for 2.3% below asking price (97.7% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 28152 can comfortably use conventional financing. The median home price of $259,997 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 28152 are set at the county level.
2026 Loan Limits — Cleveland 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 28152
To purchase the median home at $259,997 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,142.
Monthly Payment
$2,142
Income Required
$91,801
Principal & Interest
$1,602/mo
Down Payment (5%)
$13,000
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 28152.
Estimated Monthly Payment
$1,759
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