31331 — McIntosh County, Georgia Market Snapshot
Housing market data for zip code 31331 in McIntosh County, Georgia. Updated monthly with median prices, days on market, and more.
Market Sales Data
28 sales in 2026 (year to date)
Median Sale Price
$427,000
Days to Sell
111
Homes Sold
28
Inventory
69
Sale-to-List
96.3%
New Listings
55
Price/SqFt
$212
Pending Sales
46
Conforming Loan Available
Most homebuyers in 31331 can comfortably use conventional financing. The median home price of $427,000 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 111 days on average, 31331 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 31331 sells for 3.7% below asking price (96.3% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 31331 can comfortably use conventional financing. The median home price of $427,000 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 31331 are set at the county level.
2026 Loan Limits — McIntosh 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 31331
To purchase the median home at $427,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,422.
Monthly Payment
$3,422
Income Required
$146,637
Principal & Interest
$2,631/mo
Down Payment (5%)
$21,350
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 31331.
Estimated Monthly Payment
$2,793
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