30824 — McDuffie County, Georgia Market Snapshot
Housing market data for zip code 30824 in McDuffie County, Georgia. Updated monthly with median prices, days on market, and more.
Market Sales Data
37 sales in 2026 (year to date)
Median Sale Price
$215,000
Days to Sell
52
Homes Sold
37
Inventory
41
Sale-to-List
95.6%
New Listings
61
Price/SqFt
$150
Pending Sales
41
Conforming Loan Available
Most homebuyers in 30824 can comfortably use conventional financing. The median home price of $215,000 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
30824's market is balanced with homes taking an average of 52 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 30824 sells for 4.4% below asking price (95.6% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 30824 can comfortably use conventional financing. The median home price of $215,000 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 30824 are set at the county level.
2026 Loan Limits — McDuffie 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 30824
To purchase the median home at $215,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,797.
Monthly Payment
$1,797
Income Required
$77,025
Principal & Interest
$1,325/mo
Down Payment (5%)
$10,750
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 30824.
Estimated Monthly Payment
$1,481
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