28164 — Lincoln County, North Carolina Market Snapshot
Housing market data for zip code 28164 in Lincoln County, North Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
71 sales in 2026 (year to date)
Median Sale Price
$415,000
Days to Sell
79
Homes Sold
71
Inventory
85
Sale-to-List
98.6%
New Listings
93
Price/SqFt
$202
Pending Sales
N/A
Conforming Loan Available
Most homebuyers in 28164 can comfortably use conventional financing. The median home price of $415,000 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 79 days on average, 28164 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
Homes are selling very close to asking price in 28164 (98.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 28164 can comfortably use conventional financing. The median home price of $415,000 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 28164 are set at the county level.
2026 Loan Limits — Lincoln 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 28164
To purchase the median home at $415,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,330.
Monthly Payment
$3,330
Income Required
$142,697
Principal & Interest
$2,557/mo
Down Payment (5%)
$20,750
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 28164.
Estimated Monthly Payment
$2,718
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