28078 — Mecklenburg County, North Carolina Market Snapshot
Housing market data for zip code 28078 in Mecklenburg County, North Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
337 sales in 2026 (year to date)
Median Sale Price
$600,000
Days to Sell
51
Homes Sold
337
Inventory
325
Sale-to-List
98.6%
New Listings
426
Price/SqFt
$222
Pending Sales
N/A
Conforming Loan Available
Most homebuyers in 28078 can comfortably use conventional financing. The median home price of $600,000 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
28078's market is balanced with homes taking an average of 51 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 28078 (98.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 28078 can comfortably use conventional financing. The median home price of $600,000 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 28078 are set at the county level.
2026 Loan Limits — Mecklenburg 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 28078
To purchase the median home at $600,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,747.
Monthly Payment
$4,747
Income Required
$203,443
Principal & Interest
$3,697/mo
Down Payment (5%)
$30,000
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 28078.
Estimated Monthly Payment
$3,863
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