31087 — Washington County, Georgia Market Snapshot
Housing market data for zip code 31087 in Washington County, Georgia. Updated monthly with median prices, days on market, and more.
Market Sales Data
17 sales in 2026 (year to date)
Median Sale Price
$550,000
Days to Sell
71
Homes Sold
17
Inventory
41
Sale-to-List
92.5%
New Listings
32
Price/SqFt
$238
Pending Sales
20
Conforming Loan Available
Most homebuyers in 31087 can comfortably use conventional financing. The median home price of $550,000 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
With homes sitting for 71 days on average, 31087 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 31087 sells for 7.5% below asking price (92.5% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 31087 can comfortably use conventional financing. The median home price of $550,000 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 31087 are set at the county level.
2026 Loan Limits — Washington 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 31087
To purchase the median home at $550,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,364.
Monthly Payment
$4,364
Income Required
$187,026
Principal & Interest
$3,389/mo
Down Payment (5%)
$27,500
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 31087.
Estimated Monthly Payment
$3,554
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