30474 — Toombs County, Georgia Market Snapshot
Housing market data for zip code 30474 in Toombs County, Georgia. Updated monthly with median prices, days on market, and more.
Market Sales Data
24 sales in 2026 (year to date)
Median Sale Price
$266,875
Days to Sell
121
Homes Sold
24
Inventory
51
Sale-to-List
95.6%
New Listings
52
Price/SqFt
$127
Pending Sales
29
Conforming Loan Available
Most homebuyers in 30474 can comfortably use conventional financing. The median home price of $266,875 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 121 days on average, 30474 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 30474 sells for 4.4% below asking price (95.6% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 30474 can comfortably use conventional financing. The median home price of $266,875 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 30474 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 30474
To purchase the median home at $266,875 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,195.
Monthly Payment
$2,195
Income Required
$94,059
Principal & Interest
$1,644/mo
Down Payment (5%)
$13,344
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 30474.
Estimated Monthly Payment
$1,802
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