27581 — Granville County, North Carolina Market Snapshot
Housing market data for zip code 27581 in Granville County, North Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
15 sales in 2026 (year to date)
Median Sale Price
$348,990
Days to Sell
120
Homes Sold
15
Inventory
13
Sale-to-List
98.4%
New Listings
13
Price/SqFt
$161
Pending Sales
19
Conforming Loan Available
Most homebuyers in 27581 can comfortably use conventional financing. The median home price of $348,990 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 120 days on average, 27581 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 27581 (98.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 27581 can comfortably use conventional financing. The median home price of $348,990 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 27581 are set at the county level.
2026 Loan Limits — Granville 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 27581
To purchase the median home at $348,990 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,824.
Monthly Payment
$2,824
Income Required
$121,022
Principal & Interest
$2,150/mo
Down Payment (5%)
$17,450
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 27581.
Estimated Monthly Payment
$2,310
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