30909 — Richmond County, Georgia Market Snapshot
Housing market data for zip code 30909 in Richmond County, Georgia. Updated monthly with median prices, days on market, and more.
Market Sales Data
105 sales in 2026 (year to date)
Median Sale Price
$312,900
Days to Sell
46
Homes Sold
105
Inventory
59
Sale-to-List
97.8%
New Listings
146
Price/SqFt
$159
Pending Sales
107
Conforming Loan Available
Most homebuyers in 30909 can comfortably use conventional financing. The median home price of $312,900 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
30909's market is balanced with homes taking an average of 46 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 30909 sells for 2.2% below asking price (97.8% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 30909 can comfortably use conventional financing. The median home price of $312,900 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 30909 are set at the county level.
2026 Loan Limits — Richmond 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 30909
To purchase the median home at $312,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,547.
Monthly Payment
$2,547
Income Required
$109,172
Principal & Interest
$1,928/mo
Down Payment (5%)
$15,645
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 30909.
Estimated Monthly Payment
$2,086
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