31788 — Brooks County, Georgia Market Snapshot
Housing market data for zip code 31788 in Brooks County, Georgia. Updated monthly with median prices, days on market, and more.
Market Sales Data
16 sales in 2026 (year to date)
Median Sale Price
$218,500
Days to Sell
46
Homes Sold
16
Inventory
21
Sale-to-List
93.1%
New Listings
17
Price/SqFt
$164
Pending Sales
15
Conforming Loan Available
Most homebuyers in 31788 can comfortably use conventional financing. The median home price of $218,500 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
31788's market is balanced with homes taking an average of 46 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 31788 sells for 6.9% below asking price (93.1% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 31788 can comfortably use conventional financing. The median home price of $218,500 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 31788 are set at the county level.
2026 Loan Limits — Brooks 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 31788
To purchase the median home at $218,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,824.
Monthly Payment
$1,824
Income Required
$78,175
Principal & Interest
$1,346/mo
Down Payment (5%)
$10,925
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 31788.
Estimated Monthly Payment
$1,502
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