30641 — Morgan County, Georgia Market Snapshot
Housing market data for zip code 30641 in Morgan County, Georgia. Updated monthly with median prices, days on market, and more.
Market Sales Data
16 sales in 2026 (year to date)
Median Sale Price
$485,625
Days to Sell
70
Homes Sold
16
Inventory
17
Sale-to-List
97.0%
New Listings
12
Price/SqFt
$195
Pending Sales
16
Conforming Loan Available
Most homebuyers in 30641 can comfortably use conventional financing. The median home price of $485,625 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 70 days on average, 30641 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 30641 sells for 3.0% below asking price (97.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 30641 can comfortably use conventional financing. The median home price of $485,625 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 30641 are set at the county level.
2026 Loan Limits — Morgan County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $718,750 |
| 2 Units | $1,066,250 | $920,150 |
| 3 Units | $1,288,800 | $1,112,250 |
| 4 Units | $1,601,750 | $1,382,250 |
Affordability Snapshot — Zip 30641
To purchase the median home at $485,625 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,871.
Monthly Payment
$3,871
Income Required
$165,887
Principal & Interest
$2,992/mo
Down Payment (5%)
$24,281
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 30641.
Estimated Monthly Payment
$3,155
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