28326 — Harnett County, North Carolina Market Snapshot
Housing market data for zip code 28326 in Harnett County, North Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
69 sales in 2026 (year to date)
Median Sale Price
$358,000
Days to Sell
55
Homes Sold
69
Inventory
72
Sale-to-List
100.3%
New Listings
88
Price/SqFt
$157
Pending Sales
90
Conforming Loan Available
Most homebuyers in 28326 can comfortably use conventional financing. The median home price of $358,000 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
28326'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
Homes are selling very close to asking price in 28326 (100.3% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 28326 can comfortably use conventional financing. The median home price of $358,000 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 28326 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 28326
To purchase the median home at $358,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,893.
Monthly Payment
$2,893
Income Required
$123,981
Principal & Interest
$2,206/mo
Down Payment (5%)
$17,900
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 28326.
Estimated Monthly Payment
$2,366
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