30204 — Upson County, Georgia Market Snapshot
Housing market data for zip code 30204 in Upson 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
$294,000
Days to Sell
56
Homes Sold
41
Inventory
35
Sale-to-List
96.1%
New Listings
50
Price/SqFt
$177
Pending Sales
44
Conforming Loan Available
Most homebuyers in 30204 can comfortably use conventional financing. The median home price of $294,000 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
30204's market is balanced with homes taking an average of 56 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 30204 sells for 3.9% below asking price (96.1% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 30204 can comfortably use conventional financing. The median home price of $294,000 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 30204 are set at the county level.
2026 Loan Limits — Upson 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 30204
To purchase the median home at $294,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,403.
Monthly Payment
$2,403
Income Required
$102,966
Principal & Interest
$1,812/mo
Down Payment (5%)
$14,700
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 30204.
Estimated Monthly Payment
$1,970
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