30039 — Gwinnett County, Georgia Market Snapshot
Housing market data for zip code 30039 in Gwinnett County, Georgia. Updated monthly with median prices, days on market, and more.
Market Sales Data
140 sales in 2026 (year to date)
Median Sale Price
$345,900
Days to Sell
67
Homes Sold
140
Inventory
149
Sale-to-List
98.4%
New Listings
192
Price/SqFt
$162
Pending Sales
162
Conforming Loan Available
Most homebuyers in 30039 can comfortably use conventional financing. The median home price of $345,900 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 67 days on average, 30039 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 30039 (98.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 30039 can comfortably use conventional financing. The median home price of $345,900 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 30039 are set at the county level.
2026 Loan Limits — Gwinnett 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 30039
To purchase the median home at $345,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,800.
Monthly Payment
$2,800
Income Required
$120,008
Principal & Interest
$2,131/mo
Down Payment (5%)
$17,295
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 30039.
Estimated Monthly Payment
$2,291
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