28339 — Harnett County, North Carolina Market Snapshot
Housing market data for zip code 28339 in Harnett County, North Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
26 sales in 2026 (year to date)
Median Sale Price
$212,500
Days to Sell
48
Homes Sold
26
Inventory
36
Sale-to-List
96.7%
New Listings
29
Price/SqFt
$155
Pending Sales
28
Conforming Loan Available
Most homebuyers in 28339 can comfortably use conventional financing. The median home price of $212,500 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
28339's market is balanced with homes taking an average of 48 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 28339 sells for 3.3% below asking price (96.7% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 28339 can comfortably use conventional financing. The median home price of $212,500 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 28339 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 28339
To purchase the median home at $212,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,778.
Monthly Payment
$1,778
Income Required
$76,205
Principal & Interest
$1,309/mo
Down Payment (5%)
$10,625
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 28339.
Estimated Monthly Payment
$1,465
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