30147 — Polk County, Georgia Market Snapshot
Housing market data for zip code 30147 in Polk County, Georgia. Updated monthly with median prices, days on market, and more.
Market Sales Data
13 sales in 2026 (year to date)
Median Sale Price
$234,900
Days to Sell
64
Homes Sold
13
Inventory
20
Sale-to-List
95.1%
New Listings
20
Price/SqFt
$151
Pending Sales
17
Conforming Loan Available
Most homebuyers in 30147 can comfortably use conventional financing. The median home price of $234,900 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 64 days on average, 30147 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 30147 sells for 4.9% below asking price (95.1% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 30147 can comfortably use conventional financing. The median home price of $234,900 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 30147 are set at the county level.
2026 Loan Limits — Polk 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 30147
To purchase the median home at $234,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,950.
Monthly Payment
$1,950
Income Required
$83,560
Principal & Interest
$1,447/mo
Down Payment (5%)
$11,745
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 30147.
Estimated Monthly Payment
$1,604
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