28356 — Harnett County, North Carolina Market Snapshot
Housing market data for zip code 28356 in Harnett County, North Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
12 sales in 2026 (year to date)
Median Sale Price
$343,750
Days to Sell
31
Homes Sold
12
Inventory
21
Sale-to-List
100.3%
New Listings
26
Price/SqFt
$167
Pending Sales
10
Conforming Loan Available
Most homebuyers in 28356 can comfortably use conventional financing. The median home price of $343,750 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
28356's market is balanced with homes taking an average of 31 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 28356 (100.3% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 28356 can comfortably use conventional financing. The median home price of $343,750 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 28356 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 28356
To purchase the median home at $343,750 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,784.
Monthly Payment
$2,784
Income Required
$119,302
Principal & Interest
$2,118/mo
Down Payment (5%)
$17,188
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 28356.
Estimated Monthly Payment
$2,277
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