30173 — Floyd County, Georgia Market Snapshot
Housing market data for zip code 30173 in Floyd County, Georgia. Updated monthly with median prices, days on market, and more.
Market Sales Data
20 sales in 2026 (year to date)
Median Sale Price
$272,500
Days to Sell
61
Homes Sold
20
Inventory
24
Sale-to-List
98.5%
New Listings
26
Price/SqFt
$169
Pending Sales
21
Conforming Loan Available
Most homebuyers in 30173 can comfortably use conventional financing. The median home price of $272,500 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 61 days on average, 30173 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 30173 (98.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 30173 can comfortably use conventional financing. The median home price of $272,500 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 30173 are set at the county level.
2026 Loan Limits — Floyd 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 30173
To purchase the median home at $272,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,238.
Monthly Payment
$2,238
Income Required
$95,906
Principal & Interest
$1,679/mo
Down Payment (5%)
$13,625
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 30173.
Estimated Monthly Payment
$1,836
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