28562 — Craven County, North Carolina Market Snapshot
Housing market data for zip code 28562 in Craven County, North Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
227 sales in 2026 (year to date)
Median Sale Price
$343,000
Days to Sell
61
Homes Sold
227
Inventory
253
Sale-to-List
99.0%
New Listings
270
Price/SqFt
$181
Pending Sales
251
Conforming Loan Available
Most homebuyers in 28562 can comfortably use conventional financing. The median home price of $343,000 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 61 days on average, 28562 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 28562 (99.0% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 28562 can comfortably use conventional financing. The median home price of $343,000 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 28562 are set at the county level.
2026 Loan Limits — Craven 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 28562
To purchase the median home at $343,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,778.
Monthly Payment
$2,778
Income Required
$119,055
Principal & Interest
$2,113/mo
Down Payment (5%)
$17,150
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 28562.
Estimated Monthly Payment
$2,273
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 28562. Tell us what you're looking for.