30004 — Cherokee County, Georgia Market Snapshot
Housing market data for zip code 30004 in Cherokee County, Georgia. Updated monthly with median prices, days on market, and more.
Market Sales Data
48 sales in 2026 (year to date)
Median Sale Price
$446,950
Days to Sell
33
Homes Sold
48
Inventory
39
Sale-to-List
98.9%
New Listings
52
Price/SqFt
$242
Pending Sales
47
Conforming Loan Available
Most homebuyers in 30004 can comfortably use conventional financing. The median home price of $446,950 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
30004's market is balanced with homes taking an average of 33 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 30004 (98.9% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 30004 can comfortably use conventional financing. The median home price of $446,950 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 30004 are set at the county level.
2026 Loan Limits — Cherokee 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 30004
To purchase the median home at $446,950 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,574.
Monthly Payment
$3,574
Income Required
$153,188
Principal & Interest
$2,754/mo
Down Payment (5%)
$22,348
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 30004.
Estimated Monthly Payment
$2,916
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