30535 — Habersham County, Georgia Market Snapshot
Housing market data for zip code 30535 in Habersham County, Georgia. Updated monthly with median prices, days on market, and more.
Market Sales Data
38 sales in 2026 (year to date)
Median Sale Price
$336,950
Days to Sell
86
Homes Sold
38
Inventory
43
Sale-to-List
97.6%
New Listings
56
Price/SqFt
$194
Pending Sales
41
Conforming Loan Available
Most homebuyers in 30535 can comfortably use conventional financing. The median home price of $336,950 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 86 days on average, 30535 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 30535 sells for 2.4% below asking price (97.6% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 30535 can comfortably use conventional financing. The median home price of $336,950 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 30535 are set at the county level.
2026 Loan Limits — Habersham 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 30535
To purchase the median home at $336,950 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,732.
Monthly Payment
$2,732
Income Required
$117,069
Principal & Interest
$2,076/mo
Down Payment (5%)
$16,848
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 30535.
Estimated Monthly Payment
$2,235
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