30523 — Rabun County, Georgia Market Snapshot
Housing market data for zip code 30523 in Rabun County, Georgia. Updated monthly with median prices, days on market, and more.
Market Sales Data
50 sales in 2026 (year to date)
Median Sale Price
$366,097
Days to Sell
76
Homes Sold
50
Inventory
109
Sale-to-List
96.8%
New Listings
93
Price/SqFt
$197
Pending Sales
68
Conforming Loan Available
Most homebuyers in 30523 can comfortably use conventional financing. The median home price of $366,097 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 76 days on average, 30523 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 30523 sells for 3.2% below asking price (96.8% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 30523 can comfortably use conventional financing. The median home price of $366,097 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 30523 are set at the county level.
2026 Loan Limits — Rabun 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 30523
To purchase the median home at $366,097 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,955.
Monthly Payment
$2,955
Income Required
$126,639
Principal & Interest
$2,256/mo
Down Payment (5%)
$18,305
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 30523.
Estimated Monthly Payment
$2,416
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