31049 — Emanuel County, Georgia Market Snapshot
Housing market data for zip code 31049 in Emanuel County, Georgia. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 2 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the Emanuel County county page for broader data.
Market Sales Data
2 sales in 2026 (year to date)
Median Sale Price
$164,250
Days to Sell
131
Homes Sold
2
Inventory
1
Conforming Loan Available
Most homebuyers in 31049 can comfortably use conventional financing. The median home price of $164,250 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 131 days on average, 31049 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Conforming Loan Feasibility
Most homebuyers in 31049 can comfortably use conventional financing. The median home price of $164,250 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 31049 are set at the county level.
2026 Loan Limits — Emanuel 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 31049
To purchase the median home at $164,250 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,408.
Monthly Payment
$1,408
Income Required
$60,361
Principal & Interest
$1,012/mo
Down Payment (5%)
$8,213
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 31049.
Estimated Monthly Payment
$1,167
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