31005 — Houston County, Georgia Market Snapshot
Housing market data for zip code 31005 in Houston County, Georgia. Updated monthly with median prices, days on market, and more.
Market Sales Data
101 sales in 2026 (year to date)
Median Sale Price
$362,511
Days to Sell
61
Homes Sold
101
Inventory
103
Sale-to-List
99.1%
New Listings
134
Price/SqFt
$147
Pending Sales
119
Conforming Loan Available
Most homebuyers in 31005 can comfortably use conventional financing. The median home price of $362,511 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 61 days on average, 31005 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 31005 (99.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 31005 can comfortably use conventional financing. The median home price of $362,511 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 31005 are set at the county level.
2026 Loan Limits — Houston 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 31005
To purchase the median home at $362,511 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,927.
Monthly Payment
$2,927
Income Required
$125,462
Principal & Interest
$2,234/mo
Down Payment (5%)
$18,126
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 31005.
Estimated Monthly Payment
$2,394
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