28501 — Jones County, North Carolina Market Snapshot
Housing market data for zip code 28501 in Jones County, North Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
34 sales in 2026 (year to date)
Median Sale Price
$155,750
Days to Sell
63
Homes Sold
34
Inventory
46
Sale-to-List
94.3%
New Listings
49
Price/SqFt
$92
Pending Sales
48
Conforming Loan Available
Most homebuyers in 28501 can comfortably use conventional financing. The median home price of $155,750 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
With homes sitting for 63 days on average, 28501 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 28501 sells for 5.7% below asking price (94.3% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 28501 can comfortably use conventional financing. The median home price of $155,750 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 28501 are set at the county level.
2026 Loan Limits — Jones 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 28501
To purchase the median home at $155,750 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,343.
Monthly Payment
$1,343
Income Required
$57,570
Principal & Interest
$960/mo
Down Payment (5%)
$7,788
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 28501.
Estimated Monthly Payment
$1,114
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