30188 — Cherokee County, Georgia Market Snapshot
Housing market data for zip code 30188 in Cherokee County, Georgia. Updated monthly with median prices, days on market, and more.
Market Sales Data
65 sales in 2026 (year to date)
Median Sale Price
$380,000
Days to Sell
55
Homes Sold
65
Inventory
66
Sale-to-List
98.1%
New Listings
91
Price/SqFt
$212
Pending Sales
72
Conforming Loan Available
Most homebuyers in 30188 can comfortably use conventional financing. The median home price of $380,000 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
30188's market is balanced with homes taking an average of 55 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 30188 (98.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 30188 can comfortably use conventional financing. The median home price of $380,000 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 30188 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 30188
To purchase the median home at $380,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,061.
Monthly Payment
$3,061
Income Required
$131,205
Principal & Interest
$2,341/mo
Down Payment (5%)
$19,000
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 30188.
Estimated Monthly Payment
$2,502
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