27850 — Halifax County, North Carolina Market Snapshot
Housing market data for zip code 27850 in Halifax County, North Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
36 sales in 2026 (year to date)
Median Sale Price
$722,500
Days to Sell
21
Homes Sold
36
Inventory
36
Sale-to-List
97.9%
New Listings
60
Price/SqFt
$290
Pending Sales
45
Conforming Loan Available
The median home in 27850 at $722,500 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Market Insights
Market Temperature
Homes in 27850 are moving quickly at 21 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
The average home in 27850 sells for 2.1% below asking price (97.9% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 27850 at $722,500 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 27850 are set at the county level.
2026 Loan Limits — Halifax 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 27850
To purchase the median home at $722,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,686.
Monthly Payment
$5,686
Income Required
$243,667
Principal & Interest
$4,452/mo
Down Payment (5%)
$36,125
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 27850.
Estimated Monthly Payment
$4,621
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