30248 — Spalding County, Georgia Market Snapshot
Housing market data for zip code 30248 in Spalding County, Georgia. Updated monthly with median prices, days on market, and more.
Market Sales Data
161 sales in 2026 (year to date)
Median Sale Price
$360,600
Days to Sell
74
Homes Sold
161
Inventory
227
Sale-to-List
98.8%
New Listings
230
Price/SqFt
$149
Pending Sales
169
Conforming Loan Available
Most homebuyers in 30248 can comfortably use conventional financing. The median home price of $360,600 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 74 days on average, 30248 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 30248 (98.8% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 30248 can comfortably use conventional financing. The median home price of $360,600 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 30248 are set at the county level.
2026 Loan Limits — Spalding 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 30248
To purchase the median home at $360,600 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,913.
Monthly Payment
$2,913
Income Required
$124,834
Principal & Interest
$2,222/mo
Down Payment (5%)
$18,030
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 30248.
Estimated Monthly Payment
$2,382
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