31220 — Bibb County, Georgia Market Snapshot
Housing market data for zip code 31220 in Bibb County, Georgia. Updated monthly with median prices, days on market, and more.
Market Sales Data
52 sales in 2026 (year to date)
Median Sale Price
$274,500
Days to Sell
62
Homes Sold
52
Inventory
67
Sale-to-List
97.1%
New Listings
78
Price/SqFt
$133
Pending Sales
74
Conforming Loan Available
Most homebuyers in 31220 can comfortably use conventional financing. The median home price of $274,500 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 62 days on average, 31220 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 31220 sells for 2.9% below asking price (97.1% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 31220 can comfortably use conventional financing. The median home price of $274,500 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 31220 are set at the county level.
2026 Loan Limits — Bibb 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 31220
To purchase the median home at $274,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,253.
Monthly Payment
$2,253
Income Required
$96,563
Principal & Interest
$1,691/mo
Down Payment (5%)
$13,725
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 31220.
Estimated Monthly Payment
$1,849
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