30558 — Jackson County, Georgia Market Snapshot
Housing market data for zip code 30558 in Jackson County, Georgia. Updated monthly with median prices, days on market, and more.
Market Sales Data
14 sales in 2026 (year to date)
Median Sale Price
$368,995
Days to Sell
101
Homes Sold
14
Inventory
38
Sale-to-List
96.1%
New Listings
20
Price/SqFt
$193
Pending Sales
12
Conforming Loan Available
Most homebuyers in 30558 can comfortably use conventional financing. The median home price of $368,995 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 101 days on average, 30558 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 30558 sells for 3.9% below asking price (96.1% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 30558 can comfortably use conventional financing. The median home price of $368,995 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 30558 are set at the county level.
2026 Loan Limits — Jackson 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 30558
To purchase the median home at $368,995 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,977.
Monthly Payment
$2,977
Income Required
$127,591
Principal & Interest
$2,274/mo
Down Payment (5%)
$18,450
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 30558.
Estimated Monthly Payment
$2,434
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