28721 — Haywood County, North Carolina Market Snapshot
Housing market data for zip code 28721 in Haywood County, North Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
21 sales in 2026 (year to date)
Median Sale Price
$340,000
Days to Sell
167
Homes Sold
21
Inventory
64
Sale-to-List
95.6%
New Listings
45
Price/SqFt
$253
Pending Sales
27
Conforming Loan Available
Most homebuyers in 28721 can comfortably use conventional financing. The median home price of $340,000 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
With homes sitting for 167 days on average, 28721 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
The average home in 28721 sells for 4.4% below asking price (95.6% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 28721 can comfortably use conventional financing. The median home price of $340,000 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 28721 are set at the county level.
2026 Loan Limits — Haywood 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 28721
To purchase the median home at $340,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,755.
Monthly Payment
$2,755
Income Required
$118,070
Principal & Interest
$2,095/mo
Down Payment (5%)
$17,000
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 28721.
Estimated Monthly Payment
$2,254
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 28721. Tell us what you're looking for.