30436 — Toombs County, Georgia Market Snapshot
Housing market data for zip code 30436 in Toombs County, Georgia. Updated monthly with median prices, days on market, and more.
Market Sales Data
10 sales in 2026 (year to date)
Median Sale Price
$169,500
Days to Sell
68
Homes Sold
10
Inventory
13
Sale-to-List
94.6%
New Listings
18
Price/SqFt
$129
Pending Sales
14
Conforming Loan Available
Most homebuyers in 30436 can comfortably use conventional financing. The median home price of $169,500 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 68 days on average, 30436 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 30436 sells for 5.4% below asking price (94.6% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 30436 can comfortably use conventional financing. The median home price of $169,500 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 30436 are set at the county level.
2026 Loan Limits — Toombs 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 30436
To purchase the median home at $169,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,449.
Monthly Payment
$1,449
Income Required
$62,085
Principal & Interest
$1,044/mo
Down Payment (5%)
$8,475
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 30436.
Estimated Monthly Payment
$1,199
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