31052 — Bibb County, Georgia Market Snapshot
Housing market data for zip code 31052 in Bibb County, Georgia. Updated monthly with median prices, days on market, and more.
Market Sales Data
27 sales in 2026 (year to date)
Median Sale Price
$251,888
Days to Sell
67
Homes Sold
27
Inventory
41
Sale-to-List
98.9%
New Listings
35
Price/SqFt
$136
Pending Sales
35
Conforming Loan Available
Most homebuyers in 31052 can comfortably use conventional financing. The median home price of $251,888 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 67 days on average, 31052 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
Homes are selling very close to asking price in 31052 (98.9% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 31052 can comfortably use conventional financing. The median home price of $251,888 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 31052 are set at the county level.
2026 Loan Limits — Bibb 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 31052
To purchase the median home at $251,888 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,080.
Monthly Payment
$2,080
Income Required
$89,138
Principal & Interest
$1,552/mo
Down Payment (5%)
$12,594
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 31052.
Estimated Monthly Payment
$1,709
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