27549 — Franklin County, North Carolina Market Snapshot
Housing market data for zip code 27549 in Franklin County, North Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
76 sales in 2026 (year to date)
Median Sale Price
$341,850
Days to Sell
49
Homes Sold
76
Inventory
140
Sale-to-List
97.9%
New Listings
138
Price/SqFt
$212
Pending Sales
97
Conforming Loan Available
Most homebuyers in 27549 can comfortably use conventional financing. The median home price of $341,850 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
27549's market is balanced with homes taking an average of 49 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 27549 sells for 2.1% below asking price (97.9% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 27549 can comfortably use conventional financing. The median home price of $341,850 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 27549 are set at the county level.
2026 Loan Limits — Franklin 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 27549
To purchase the median home at $341,850 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,769.
Monthly Payment
$2,769
Income Required
$118,678
Principal & Interest
$2,106/mo
Down Payment (5%)
$17,093
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 27549.
Estimated Monthly Payment
$2,266
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