31635 — Clinch County, Georgia Market Snapshot
Housing market data for zip code 31635 in Clinch County, Georgia. Updated monthly with median prices, days on market, and more.
Market Sales Data
22 sales in 2026 (year to date)
Median Sale Price
$242,075
Days to Sell
21
Homes Sold
22
Inventory
22
Sale-to-List
97.2%
New Listings
29
Price/SqFt
$160
Pending Sales
30
Conforming Loan Available
Most homebuyers in 31635 can comfortably use conventional financing. The median home price of $242,075 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
Homes in 31635 are moving quickly at 21 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
The average home in 31635 sells for 2.8% below asking price (97.2% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 31635 can comfortably use conventional financing. The median home price of $242,075 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 31635 are set at the county level.
2026 Loan Limits — Clinch 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 31635
To purchase the median home at $242,075 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,005.
Monthly Payment
$2,005
Income Required
$85,916
Principal & Interest
$1,492/mo
Down Payment (5%)
$12,104
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 31635.
Estimated Monthly Payment
$1,648
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