28033 — Gaston County, North Carolina Market Snapshot
Housing market data for zip code 28033 in Gaston County, North Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
12 sales in 2026 (year to date)
Median Sale Price
$437,450
Days to Sell
55
Homes Sold
12
Inventory
16
Sale-to-List
95.9%
New Listings
12
Price/SqFt
$223
Pending Sales
N/A
Conforming Loan Available
Most homebuyers in 28033 can comfortably use conventional financing. The median home price of $437,450 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
28033's market is balanced with homes taking an average of 55 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 28033 sells for 4.1% below asking price (95.9% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 28033 can comfortably use conventional financing. The median home price of $437,450 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 28033 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 28033
To purchase the median home at $437,450 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,502.
Monthly Payment
$3,502
Income Required
$150,069
Principal & Interest
$2,695/mo
Down Payment (5%)
$21,873
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 28033.
Estimated Monthly Payment
$2,857
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