31027 — Laurens County, Georgia Market Snapshot
Housing market data for zip code 31027 in Laurens County, Georgia. Updated monthly with median prices, days on market, and more.
Market Sales Data
11 sales in 2026 (year to date)
Median Sale Price
$190,500
Days to Sell
121
Homes Sold
11
Inventory
14
Sale-to-List
88.4%
New Listings
13
Price/SqFt
$110
Pending Sales
14
Conforming Loan Available
Most homebuyers in 31027 can comfortably use conventional financing. The median home price of $190,500 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 121 days on average, 31027 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 31027 sells for 11.6% below asking price (88.4% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 31027 can comfortably use conventional financing. The median home price of $190,500 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 31027 are set at the county level.
2026 Loan Limits — Laurens 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 31027
To purchase the median home at $190,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,610.
Monthly Payment
$1,610
Income Required
$68,981
Principal & Interest
$1,174/mo
Down Payment (5%)
$9,525
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 31027.
Estimated Monthly Payment
$1,329
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