28012 — Gaston County, North Carolina Market Snapshot
Housing market data for zip code 28012 in Gaston County, North Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
24 sales in 2026 (year to date)
Median Sale Price
$323,349
Days to Sell
60
Homes Sold
24
Inventory
32
Sale-to-List
99.5%
New Listings
32
Price/SqFt
$217
Pending Sales
N/A
Conforming Loan Available
Most homebuyers in 28012 can comfortably use conventional financing. The median home price of $323,349 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 60 days on average, 28012 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 28012 (99.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 28012 can comfortably use conventional financing. The median home price of $323,349 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 28012 are set at the county level.
2026 Loan Limits — Gaston 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 28012
To purchase the median home at $323,349 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,627.
Monthly Payment
$2,627
Income Required
$112,603
Principal & Interest
$1,992/mo
Down Payment (5%)
$16,167
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 28012.
Estimated Monthly Payment
$2,151
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