30274 — Clayton County, Georgia Market Snapshot
Housing market data for zip code 30274 in Clayton County, Georgia. Updated monthly with median prices, days on market, and more.
Market Sales Data
58 sales in 2026 (year to date)
Median Sale Price
$211,000
Days to Sell
44
Homes Sold
58
Inventory
95
Sale-to-List
96.5%
New Listings
115
Price/SqFt
$135
Pending Sales
77
Conforming Loan Available
Most homebuyers in 30274 can comfortably use conventional financing. The median home price of $211,000 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
30274's market is balanced with homes taking an average of 44 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 30274 sells for 3.5% below asking price (96.5% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 30274 can comfortably use conventional financing. The median home price of $211,000 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 30274 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 30274
To purchase the median home at $211,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,767.
Monthly Payment
$1,767
Income Required
$75,712
Principal & Interest
$1,300/mo
Down Payment (5%)
$10,550
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 30274.
Estimated Monthly Payment
$1,456
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