31794 — Tift County, Georgia Market Snapshot
Housing market data for zip code 31794 in Tift County, Georgia. Updated monthly with median prices, days on market, and more.
Market Sales Data
41 sales in 2026 (year to date)
Median Sale Price
$244,900
Days to Sell
43
Homes Sold
41
Inventory
70
Sale-to-List
95.8%
New Listings
72
Price/SqFt
$144
Pending Sales
57
Conforming Loan Available
Most homebuyers in 31794 can comfortably use conventional financing. The median home price of $244,900 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
31794's market is balanced with homes taking an average of 43 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 31794 sells for 4.2% below asking price (95.8% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 31794 can comfortably use conventional financing. The median home price of $244,900 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 31794 are set at the county level.
2026 Loan Limits — Tift 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 31794
To purchase the median home at $244,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,026.
Monthly Payment
$2,026
Income Required
$86,844
Principal & Interest
$1,509/mo
Down Payment (5%)
$12,245
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 31794.
Estimated Monthly Payment
$1,666
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