31601 — Brooks County, Georgia Market Snapshot
Housing market data for zip code 31601 in Brooks County, Georgia. Updated monthly with median prices, days on market, and more.
Market Sales Data
60 sales in 2026 (year to date)
Median Sale Price
$240,950
Days to Sell
47
Homes Sold
60
Inventory
80
Sale-to-List
96.2%
New Listings
73
Price/SqFt
$157
Pending Sales
59
Conforming Loan Available
Most homebuyers in 31601 can comfortably use conventional financing. The median home price of $240,950 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
31601's market is balanced with homes taking an average of 47 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 31601 sells for 3.8% below asking price (96.2% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 31601 can comfortably use conventional financing. The median home price of $240,950 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 31601 are set at the county level.
2026 Loan Limits — Brooks 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 31601
To purchase the median home at $240,950 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,996.
Monthly Payment
$1,996
Income Required
$85,546
Principal & Interest
$1,485/mo
Down Payment (5%)
$12,048
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 31601.
Estimated Monthly Payment
$1,641
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