31309 — Liberty County, Georgia Market Snapshot
Housing market data for zip code 31309 in Liberty County, Georgia. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 1 home sold in this ZIP code during the selected period. Statistics may not be representative. See the Liberty County county page for broader data.
Market Sales Data
1 sales in 2026 (year to date)
Median Sale Price
$387,845
Days to Sell
76
Homes Sold
1
Inventory
N/A
Conforming Loan Available
Most homebuyers in 31309 can comfortably use conventional financing. The median home price of $387,845 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 76 days on average, 31309 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Conforming Loan Feasibility
Most homebuyers in 31309 can comfortably use conventional financing. The median home price of $387,845 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 31309 are set at the county level.
2026 Loan Limits — Liberty 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 31309
To purchase the median home at $387,845 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,122.
Monthly Payment
$3,122
Income Required
$133,781
Principal & Interest
$2,390/mo
Down Payment (5%)
$19,392
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 31309.
Estimated Monthly Payment
$2,550
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