31322 — Chatham County, Georgia Market Snapshot
Housing market data for zip code 31322 in Chatham County, Georgia. Updated monthly with median prices, days on market, and more.
Market Sales Data
161 sales in 2026 (year to date)
Median Sale Price
$364,000
Days to Sell
88
Homes Sold
161
Inventory
277
Sale-to-List
98.7%
New Listings
210
Price/SqFt
$177
Pending Sales
172
Conforming Loan Available
Most homebuyers in 31322 can comfortably use conventional financing. The median home price of $364,000 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 88 days on average, 31322 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 31322 (98.7% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 31322 can comfortably use conventional financing. The median home price of $364,000 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 31322 are set at the county level.
2026 Loan Limits — Chatham 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 31322
To purchase the median home at $364,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,939.
Monthly Payment
$2,939
Income Required
$125,951
Principal & Interest
$2,243/mo
Down Payment (5%)
$18,200
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 31322.
Estimated Monthly Payment
$2,403
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