28510 — Pamlico County, North Carolina Market Snapshot
Housing market data for zip code 28510 in Pamlico County, North Carolina. Updated monthly with median prices, days on market, and more.
Market Sales Data
13 sales in 2026 (year to date)
Median Sale Price
$450,000
Days to Sell
69
Homes Sold
13
Inventory
27
Sale-to-List
96.2%
New Listings
15
Price/SqFt
$276
Pending Sales
19
Within Conforming Limit Estimate
At 5% down, the estimated base loan for the $450,000 median-priced home in 28510 is $427,500. The 2026 conforming limit is $832,750. The limit applies to the loan amount, not the home price. This estimate does not determine loan eligibility, approval, rate, fees, or mortgage insurance.
Market Insights
Market Temperature
The median listing-to-close time for the reported sales in 28510 is 69 days. Use this measure with the sale count, property type, condition, price range, and inventory. It does not predict competition or negotiation results for a specific home.
Sale-to-List Ratio
The reported average sale-to-list ratio in 28510 is 96.2%, or 3.8% below the last list price. This aggregate does not predict negotiation results for a specific home.
Conforming Loan Feasibility
At 5% down, the estimated base loan for the $450,000 median-priced home in 28510 is $427,500. The 2026 conforming limit is $832,750. The limit applies to the loan amount, not the home price. This estimate does not determine loan eligibility, approval, rate, fees, or mortgage insurance.
Loan limits in 28510 are set at the county level.
2026 Loan Limits — Pamlico 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 28510
To purchase the median home at $450,000 with 5% down at the assumed 6.75% rate, the estimated monthly payment is approximately $3,776.
Monthly Payment
$3,776
Income Required
$161,824
Principal & Interest
$2,773/mo
Property Tax
$675/mo
Home Insurance
$150/mo
Estimated PMI
$178/mo
Down Payment (5%)
$22,500
Assumes a 30-year fixed loan at 6.75%, 1.8% property tax, $1,800 annual insurance, and a 28% housing-to-income planning ratio. Planning estimate only. The income figure divides the displayed monthly housing estimate by a 28% housing-to-income ratio. It is not an approval rule. The mortgage insurance estimate uses 0.5% of the loan amount per year. Actual rates, taxes, insurance, mortgage insurance, HOA or condo dues, closing costs, repairs, utilities, other debts, and approval rules can differ. Compare actual terms and your Loan Estimate.
Mortgage Calculator
Estimate your monthly payment for a home in 28510.
Estimated Monthly Payment
$2,935
Estimates only. Actual payments, taxes, insurance, mortgage insurance, rates, and loan terms can differ. This calculator is not a loan offer.
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