31569 — Camden County, Georgia Market Snapshot
Housing market data for zip code 31569 in Camden County, Georgia. Updated monthly with median prices, days on market, and more.
Market Sales Data
24 sales in 2026 (year to date)
Median Sale Price
$327,450
Days to Sell
124
Homes Sold
24
Inventory
24
Sale-to-List
97.5%
New Listings
26
Price/SqFt
$190
Pending Sales
29
Conforming Loan Available
Most homebuyers in 31569 can comfortably use conventional financing. The median home price of $327,450 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 124 days on average, 31569 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 31569 sells for 2.5% below asking price (97.5% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 31569 can comfortably use conventional financing. The median home price of $327,450 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 31569 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 31569
To purchase the median home at $327,450 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,659.
Monthly Payment
$2,659
Income Required
$113,949
Principal & Interest
$2,018/mo
Down Payment (5%)
$16,373
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 31569.
Estimated Monthly Payment
$2,177
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