31312 — Effingham County, Georgia Market Snapshot
Housing market data for zip code 31312 in Effingham County, Georgia. Updated monthly with median prices, days on market, and more.
Market Sales Data
150 sales in 2026 (year to date)
Median Sale Price
$349,000
Days to Sell
76
Homes Sold
150
Inventory
193
Sale-to-List
99.0%
New Listings
187
Price/SqFt
$183
Pending Sales
162
Conforming Loan Available
Most homebuyers in 31312 can comfortably use conventional financing. The median home price of $349,000 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 76 days on average, 31312 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 31312 (99.0% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 31312 can comfortably use conventional financing. The median home price of $349,000 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 31312 are set at the county level.
2026 Loan Limits — Effingham 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 31312
To purchase the median home at $349,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,824.
Monthly Payment
$2,824
Income Required
$121,026
Principal & Interest
$2,150/mo
Down Payment (5%)
$17,450
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 31312.
Estimated Monthly Payment
$2,310
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