27316 — Randolph County, North Carolina Market Snapshot
Housing market data for zip code 27316 in Randolph County, North Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
10 sales in 2026 (year to date)
Median Sale Price
$252,450
Days to Sell
172
Homes Sold
10
Inventory
6
Sale-to-List
99.6%
New Listings
10
Price/SqFt
$181
Pending Sales
14
Conforming Loan Available
Most homebuyers in 27316 can comfortably use conventional financing. The median home price of $252,450 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 172 days on average, 27316 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 27316 (99.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 27316 can comfortably use conventional financing. The median home price of $252,450 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 27316 are set at the county level.
2026 Loan Limits — Randolph 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 27316
To purchase the median home at $252,450 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,084.
Monthly Payment
$2,084
Income Required
$89,323
Principal & Interest
$1,556/mo
Down Payment (5%)
$12,623
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 27316.
Estimated Monthly Payment
$1,712
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