27882 — Franklin County, North Carolina Market Snapshot
Housing market data for zip code 27882 in Franklin County, North Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
44 sales in 2026 (year to date)
Median Sale Price
$377,000
Days to Sell
74
Homes Sold
44
Inventory
74
Sale-to-List
97.9%
New Listings
62
Price/SqFt
$187
Pending Sales
51
Conforming Loan Available
Most homebuyers in 27882 can comfortably use conventional financing. The median home price of $377,000 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 74 days on average, 27882 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 27882 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 27882 can comfortably use conventional financing. The median home price of $377,000 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 27882 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 27882
To purchase the median home at $377,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,038.
Monthly Payment
$3,038
Income Required
$130,219
Principal & Interest
$2,323/mo
Down Payment (5%)
$18,850
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 27882.
Estimated Monthly Payment
$2,483
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