27597 — Franklin County, North Carolina Market Snapshot
Housing market data for zip code 27597 in Franklin County, North Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
190 sales in 2026 (year to date)
Median Sale Price
$368,750
Days to Sell
69
Homes Sold
190
Inventory
237
Sale-to-List
98.9%
New Listings
270
Price/SqFt
$193
Pending Sales
222
Conforming Loan Available
Most homebuyers in 27597 can comfortably use conventional financing. The median home price of $368,750 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 69 days on average, 27597 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 27597 (98.9% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 27597 can comfortably use conventional financing. The median home price of $368,750 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 27597 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 27597
To purchase the median home at $368,750 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,975.
Monthly Payment
$2,975
Income Required
$127,510
Principal & Interest
$2,272/mo
Down Payment (5%)
$18,438
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 27597.
Estimated Monthly Payment
$2,432
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