31701 — Dougherty County, Georgia Market Snapshot
Housing market data for zip code 31701 in Dougherty County, Georgia. Updated monthly with median prices, days on market, and more.
Market Sales Data
19 sales in 2026 (year to date)
Median Sale Price
$149,900
Days to Sell
82
Homes Sold
19
Inventory
60
Sale-to-List
95.5%
New Listings
47
Price/SqFt
$80
Pending Sales
48
Conforming Loan Available
Most homebuyers in 31701 can comfortably use conventional financing. The median home price of $149,900 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 82 days on average, 31701 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
The average home in 31701 sells for 4.5% below asking price (95.5% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 31701 can comfortably use conventional financing. The median home price of $149,900 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 31701 are set at the county level.
2026 Loan Limits — Dougherty 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 31701
To purchase the median home at $149,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,298.
Monthly Payment
$1,298
Income Required
$55,650
Principal & Interest
$924/mo
Down Payment (5%)
$7,495
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 31701.
Estimated Monthly Payment
$1,078
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