30228 — Clayton County, Georgia Market Snapshot
Housing market data for zip code 30228 in Clayton County, Georgia. Updated monthly with median prices, days on market, and more.
Market Sales Data
21 sales in 2026 (year to date)
Median Sale Price
$269,990
Days to Sell
114
Homes Sold
21
Inventory
12
Sale-to-List
99.6%
New Listings
22
Price/SqFt
$170
Pending Sales
21
Conforming Loan Available
Most homebuyers in 30228 can comfortably use conventional financing. The median home price of $269,990 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 114 days on average, 30228 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 30228 (99.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 30228 can comfortably use conventional financing. The median home price of $269,990 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 30228 are set at the county level.
2026 Loan Limits — Clayton 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 30228
To purchase the median home at $269,990 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,219.
Monthly Payment
$2,219
Income Required
$95,082
Principal & Interest
$1,664/mo
Down Payment (5%)
$13,500
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 30228.
Estimated Monthly Payment
$1,821
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