27504 — Harnett County, North Carolina Market Snapshot
Housing market data for zip code 27504 in Harnett County, North Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
75 sales in 2026 (year to date)
Median Sale Price
$327,500
Days to Sell
50
Homes Sold
75
Inventory
107
Sale-to-List
98.6%
New Listings
118
Price/SqFt
$188
Pending Sales
95
Conforming Loan Available
Most homebuyers in 27504 can comfortably use conventional financing. The median home price of $327,500 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
27504's market is balanced with homes taking an average of 50 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 27504 (98.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 27504 can comfortably use conventional financing. The median home price of $327,500 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 27504 are set at the county level.
2026 Loan Limits — Harnett 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 27504
To purchase the median home at $327,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,659.
Monthly Payment
$2,659
Income Required
$113,966
Principal & Interest
$2,018/mo
Down Payment (5%)
$16,375
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 27504.
Estimated Monthly Payment
$2,177
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