31047 — Houston County, Georgia Market Snapshot
Housing market data for zip code 31047 in Houston County, Georgia. Updated monthly with median prices, days on market, and more.
Market Sales Data
122 sales in 2026 (year to date)
Median Sale Price
$365,000
Days to Sell
62
Homes Sold
122
Inventory
90
Sale-to-List
99.6%
New Listings
158
Price/SqFt
$176
Pending Sales
131
Conforming Loan Available
Most homebuyers in 31047 can comfortably use conventional financing. The median home price of $365,000 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 62 days on average, 31047 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 31047 (99.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 31047 can comfortably use conventional financing. The median home price of $365,000 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 31047 are set at the county level.
2026 Loan Limits — Houston 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 31047
To purchase the median home at $365,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,947.
Monthly Payment
$2,947
Income Required
$126,279
Principal & Interest
$2,249/mo
Down Payment (5%)
$18,250
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 31047.
Estimated Monthly Payment
$2,409
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