28642 — Yadkin County, North Carolina Market Snapshot
Housing market data for zip code 28642 in Yadkin County, North Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
16 sales in 2026 (year to date)
Median Sale Price
$218,250
Days to Sell
86
Homes Sold
16
Inventory
23
Sale-to-List
94.9%
New Listings
27
Price/SqFt
$167
Pending Sales
18
Conforming Loan Available
Most homebuyers in 28642 can comfortably use conventional financing. The median home price of $218,250 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 86 days on average, 28642 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 28642 sells for 5.1% below asking price (94.9% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 28642 can comfortably use conventional financing. The median home price of $218,250 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 28642 are set at the county level.
2026 Loan Limits — Yadkin 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 28642
To purchase the median home at $218,250 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,822.
Monthly Payment
$1,822
Income Required
$78,093
Principal & Interest
$1,345/mo
Down Payment (5%)
$10,913
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 28642.
Estimated Monthly Payment
$1,501
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