31768 — Colquitt County, Georgia Market Snapshot
Housing market data for zip code 31768 in Colquitt County, Georgia. Updated monthly with median prices, days on market, and more.
Market Sales Data
32 sales in 2026 (year to date)
Median Sale Price
$212,000
Days to Sell
134
Homes Sold
32
Inventory
55
Sale-to-List
95.2%
New Listings
50
Price/SqFt
$130
Pending Sales
35
Conforming Loan Available
Most homebuyers in 31768 can comfortably use conventional financing. The median home price of $212,000 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
With homes sitting for 134 days on average, 31768 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 31768 sells for 4.8% below asking price (95.2% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 31768 can comfortably use conventional financing. The median home price of $212,000 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 31768 are set at the county level.
2026 Loan Limits — Colquitt 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 31768
To purchase the median home at $212,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,774.
Monthly Payment
$1,774
Income Required
$76,041
Principal & Interest
$1,306/mo
Down Payment (5%)
$10,600
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 31768.
Estimated Monthly Payment
$1,462
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