27812 — Martin County, North Carolina Market Snapshot
Housing market data for zip code 27812 in Martin County, North Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
14 sales in 2026 (year to date)
Median Sale Price
$234,990
Days to Sell
97
Homes Sold
14
Inventory
10
Sale-to-List
96.3%
New Listings
11
Price/SqFt
$142
Pending Sales
9
Conforming Loan Available
Most homebuyers in 27812 can comfortably use conventional financing. The median home price of $234,990 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 97 days on average, 27812 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 27812 sells for 3.7% below asking price (96.3% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 27812 can comfortably use conventional financing. The median home price of $234,990 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 27812 are set at the county level.
2026 Loan Limits — Martin 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 27812
To purchase the median home at $234,990 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,950.
Monthly Payment
$1,950
Income Required
$83,589
Principal & Interest
$1,448/mo
Down Payment (5%)
$11,750
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 27812.
Estimated Monthly Payment
$1,604
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