30814 — Columbia County, Georgia Market Snapshot
Housing market data for zip code 30814 in Columbia County, Georgia. Updated monthly with median prices, days on market, and more.
Market Sales Data
52 sales in 2026 (year to date)
Median Sale Price
$343,650
Days to Sell
68
Homes Sold
52
Inventory
26
Sale-to-List
99.4%
New Listings
66
Price/SqFt
$160
Pending Sales
46
Conforming Loan Available
Most homebuyers in 30814 can comfortably use conventional financing. The median home price of $343,650 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 68 days on average, 30814 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 30814 (99.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 30814 can comfortably use conventional financing. The median home price of $343,650 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 30814 are set at the county level.
2026 Loan Limits — Columbia 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 30814
To purchase the median home at $343,650 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,783.
Monthly Payment
$2,783
Income Required
$119,269
Principal & Interest
$2,117/mo
Down Payment (5%)
$17,183
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 30814.
Estimated Monthly Payment
$2,277
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