31558 — Camden County, Georgia Market Snapshot
Housing market data for zip code 31558 in Camden County, Georgia. Updated monthly with median prices, days on market, and more.
Market Sales Data
109 sales in 2026 (year to date)
Median Sale Price
$324,000
Days to Sell
53
Homes Sold
109
Inventory
127
Sale-to-List
96.9%
New Listings
122
Price/SqFt
$191
Pending Sales
112
Conforming Loan Available
Most homebuyers in 31558 can comfortably use conventional financing. The median home price of $324,000 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
31558's market is balanced with homes taking an average of 53 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 31558 sells for 3.1% below asking price (96.9% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 31558 can comfortably use conventional financing. The median home price of $324,000 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 31558 are set at the county level.
2026 Loan Limits — Camden 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 31558
To purchase the median home at $324,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,632.
Monthly Payment
$2,632
Income Required
$112,816
Principal & Interest
$1,996/mo
Down Payment (5%)
$16,200
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 31558.
Estimated Monthly Payment
$2,155
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