28513 — Greene County, North Carolina Market Snapshot
Housing market data for zip code 28513 in Greene County, North Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
38 sales in 2026 (year to date)
Median Sale Price
$305,495
Days to Sell
78
Homes Sold
38
Inventory
83
Sale-to-List
97.7%
New Listings
77
Price/SqFt
$136
Pending Sales
51
Conforming Loan Available
Most homebuyers in 28513 can comfortably use conventional financing. The median home price of $305,495 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 78 days on average, 28513 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 28513 sells for 2.3% below asking price (97.7% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 28513 can comfortably use conventional financing. The median home price of $305,495 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 28513 are set at the county level.
2026 Loan Limits — Greene 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 28513
To purchase the median home at $305,495 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,491.
Monthly Payment
$2,491
Income Required
$106,740
Principal & Interest
$1,882/mo
Down Payment (5%)
$15,275
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 28513.
Estimated Monthly Payment
$2,041
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