30240 — Heard County, Georgia Market Snapshot
Housing market data for zip code 30240 in Heard County, Georgia. Updated monthly with median prices, days on market, and more.
Market Sales Data
97 sales in 2026 (year to date)
Median Sale Price
$279,900
Days to Sell
40
Homes Sold
97
Inventory
99
Sale-to-List
97.2%
New Listings
111
Price/SqFt
$156
Pending Sales
90
Conforming Loan Available
Most homebuyers in 30240 can comfortably use conventional financing. The median home price of $279,900 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
30240's market is balanced with homes taking an average of 40 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 30240 sells for 2.8% below asking price (97.2% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 30240 can comfortably use conventional financing. The median home price of $279,900 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 30240 are set at the county level.
2026 Loan Limits — Heard 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 30240
To purchase the median home at $279,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,295.
Monthly Payment
$2,295
Income Required
$98,336
Principal & Interest
$1,725/mo
Down Payment (5%)
$13,995
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 30240.
Estimated Monthly Payment
$1,882
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