31643 — Brooks County, Georgia Market Snapshot
Housing market data for zip code 31643 in Brooks County, Georgia. Updated monthly with median prices, days on market, and more.
Market Sales Data
11 sales in 2026 (year to date)
Median Sale Price
$220,900
Days to Sell
62
Homes Sold
11
Inventory
21
Sale-to-List
94.2%
New Listings
22
Price/SqFt
$111
Pending Sales
11
Conforming Loan Available
Most homebuyers in 31643 can comfortably use conventional financing. The median home price of $220,900 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 62 days on average, 31643 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 31643 sells for 5.8% below asking price (94.2% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 31643 can comfortably use conventional financing. The median home price of $220,900 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 31643 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 31643
To purchase the median home at $220,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,842.
Monthly Payment
$1,842
Income Required
$78,963
Principal & Interest
$1,361/mo
Down Payment (5%)
$11,045
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 31643.
Estimated Monthly Payment
$1,517
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