31029 — Butts County, Georgia Market Snapshot
Housing market data for zip code 31029 in Butts County, Georgia. Updated monthly with median prices, days on market, and more.
Market Sales Data
47 sales in 2026 (year to date)
Median Sale Price
$386,900
Days to Sell
83
Homes Sold
47
Inventory
84
Sale-to-List
98.3%
New Listings
72
Price/SqFt
$165
Pending Sales
61
Conforming Loan Available
Most homebuyers in 31029 can comfortably use conventional financing. The median home price of $386,900 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 83 days on average, 31029 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 31029 (98.3% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 31029 can comfortably use conventional financing. The median home price of $386,900 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 31029 are set at the county level.
2026 Loan Limits — Butts County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $718,750 |
| 2 Units | $1,066,250 | $920,150 |
| 3 Units | $1,288,800 | $1,112,250 |
| 4 Units | $1,601,750 | $1,382,250 |
Affordability Snapshot — Zip 31029
To purchase the median home at $386,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,114.
Monthly Payment
$3,114
Income Required
$133,470
Principal & Interest
$2,384/mo
Down Payment (5%)
$19,345
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 31029.
Estimated Monthly Payment
$2,544
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