31632 — Cook County, Georgia Market Snapshot
Housing market data for zip code 31632 in Cook County, Georgia. Updated monthly with median prices, days on market, and more.
Market Sales Data
92 sales in 2026 (year to date)
Median Sale Price
$323,700
Days to Sell
63
Homes Sold
92
Inventory
89
Sale-to-List
99.4%
New Listings
100
Price/SqFt
$172
Pending Sales
107
Conforming Loan Available
Most homebuyers in 31632 can comfortably use conventional financing. The median home price of $323,700 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 63 days on average, 31632 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 31632 (99.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 31632 can comfortably use conventional financing. The median home price of $323,700 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 31632 are set at the county level.
2026 Loan Limits — Cook 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 31632
To purchase the median home at $323,700 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,630.
Monthly Payment
$2,630
Income Required
$112,718
Principal & Interest
$1,995/mo
Down Payment (5%)
$16,185
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 31632.
Estimated Monthly Payment
$2,153
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 31632. Tell us what you're looking for.