31548 — Camden County, Georgia Market Snapshot
Housing market data for zip code 31548 in Camden County, Georgia. Updated monthly with median prices, days on market, and more.
Market Sales Data
138 sales in 2026 (year to date)
Median Sale Price
$322,495
Days to Sell
52
Homes Sold
138
Inventory
170
Sale-to-List
98.4%
New Listings
188
Price/SqFt
$181
Pending Sales
181
Conforming Loan Available
Most homebuyers in 31548 can comfortably use conventional financing. The median home price of $322,495 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
31548's market is balanced with homes taking an average of 52 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 31548 (98.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 31548 can comfortably use conventional financing. The median home price of $322,495 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 31548 are set at the county level.
2026 Loan Limits — Camden 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 31548
To purchase the median home at $322,495 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,621.
Monthly Payment
$2,621
Income Required
$112,322
Principal & Interest
$1,987/mo
Down Payment (5%)
$16,125
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 31548.
Estimated Monthly Payment
$2,146
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 31548. Tell us what you're looking for.