28546 — Onslow County, North Carolina Market Snapshot
Housing market data for zip code 28546 in Onslow County, North Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
324 sales in 2026 (year to date)
Median Sale Price
$320,000
Days to Sell
70
Homes Sold
324
Inventory
304
Sale-to-List
99.3%
New Listings
423
Price/SqFt
$172
Pending Sales
403
Conforming Loan Available
Most homebuyers in 28546 can comfortably use conventional financing. The median home price of $320,000 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 70 days on average, 28546 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 28546 (99.3% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 28546 can comfortably use conventional financing. The median home price of $320,000 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 28546 are set at the county level.
2026 Loan Limits — Onslow 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 28546
To purchase the median home at $320,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,602.
Monthly Payment
$2,602
Income Required
$111,503
Principal & Interest
$1,972/mo
Down Payment (5%)
$16,000
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 28546.
Estimated Monthly Payment
$2,130
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 28546. Tell us what you're looking for.