30286 — Upson County, Georgia Market Snapshot
Housing market data for zip code 30286 in Upson County, Georgia. Updated monthly with median prices, days on market, and more.
Market Sales Data
57 sales in 2026 (year to date)
Median Sale Price
$235,000
Days to Sell
52
Homes Sold
57
Inventory
108
Sale-to-List
95.3%
New Listings
104
Price/SqFt
$151
Pending Sales
78
Conforming Loan Available
Most homebuyers in 30286 can comfortably use conventional financing. The median home price of $235,000 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
30286's market is balanced with homes taking an average of 52 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 30286 sells for 4.7% below asking price (95.3% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 30286 can comfortably use conventional financing. The median home price of $235,000 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 30286 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 30286
To purchase the median home at $235,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,951.
Monthly Payment
$1,951
Income Required
$83,593
Principal & Interest
$1,448/mo
Down Payment (5%)
$11,750
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 30286.
Estimated Monthly Payment
$1,604
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