28173 — Union County, North Carolina Market Snapshot
Housing market data for zip code 28173 in Union County, North Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
252 sales in 2026 (year to date)
Median Sale Price
$772,148
Days to Sell
52
Homes Sold
252
Inventory
326
Sale-to-List
99.0%
New Listings
418
Price/SqFt
$242
Pending Sales
N/A
Conforming Loan Available
The median home in 28173 at $772,148 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Market Insights
Market Temperature
28173's market is balanced with homes taking an average of 52 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 28173 (99.0% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 28173 at $772,148 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 28173 are set at the county level.
2026 Loan Limits — Union 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 28173
To purchase the median home at $772,148 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $6,066.
Monthly Payment
$6,066
Income Required
$259,969
Principal & Interest
$4,758/mo
Down Payment (5%)
$38,607
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 28173.
Estimated Monthly Payment
$4,929
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