31313 — Long County, Georgia Market Snapshot
Housing market data for zip code 31313 in Long County, Georgia. Updated monthly with median prices, days on market, and more.
Market Sales Data
183 sales in 2026 (year to date)
Median Sale Price
$265,200
Days to Sell
78
Homes Sold
183
Inventory
306
Sale-to-List
99.4%
New Listings
301
Price/SqFt
$151
Pending Sales
232
Conforming Loan Available
Most homebuyers in 31313 can comfortably use conventional financing. The median home price of $265,200 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 78 days on average, 31313 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 31313 (99.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 31313 can comfortably use conventional financing. The median home price of $265,200 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 31313 are set at the county level.
2026 Loan Limits — Long 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 31313
To purchase the median home at $265,200 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,182.
Monthly Payment
$2,182
Income Required
$93,509
Principal & Interest
$1,634/mo
Down Payment (5%)
$13,260
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 31313.
Estimated Monthly Payment
$1,791
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 31313. Tell us what you're looking for.