31324 — Bryan County, Georgia Market Snapshot
Housing market data for zip code 31324 in Bryan County, Georgia. Updated monthly with median prices, days on market, and more.
Market Sales Data
244 sales in 2026 (year to date)
Median Sale Price
$444,857
Days to Sell
76
Homes Sold
244
Inventory
279
Sale-to-List
98.8%
New Listings
291
Price/SqFt
$192
Pending Sales
262
Conforming Loan Available
Most homebuyers in 31324 can comfortably use conventional financing. The median home price of $444,857 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 76 days on average, 31324 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
Homes are selling very close to asking price in 31324 (98.8% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 31324 can comfortably use conventional financing. The median home price of $444,857 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 31324 are set at the county level.
2026 Loan Limits — Bryan 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 31324
To purchase the median home at $444,857 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,558.
Monthly Payment
$3,558
Income Required
$152,501
Principal & Interest
$2,741/mo
Down Payment (5%)
$22,243
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 31324.
Estimated Monthly Payment
$2,903
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