31705 — Worth County, Georgia Market Snapshot
Housing market data for zip code 31705 in Worth County, Georgia. Updated monthly with median prices, days on market, and more.
Market Sales Data
21 sales in 2026 (year to date)
Median Sale Price
$90,000
Days to Sell
76
Homes Sold
21
Inventory
36
Sale-to-List
91.6%
New Listings
47
Price/SqFt
$65
Pending Sales
66
Conforming Loan Available
Most homebuyers in 31705 can comfortably use conventional financing. The median home price of $90,000 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 76 days on average, 31705 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 31705 sells for 8.4% below asking price (91.6% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 31705 can comfortably use conventional financing. The median home price of $90,000 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 31705 are set at the county level.
2026 Loan Limits — Worth 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 31705
To purchase the median home at $90,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $840.
Monthly Payment
$840
Income Required
$35,981
Principal & Interest
$555/mo
Down Payment (5%)
$4,500
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 31705.
Estimated Monthly Payment
$707
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