30025 — Morgan County, Georgia Market Snapshot
Housing market data for zip code 30025 in Morgan County, Georgia. Updated monthly with median prices, days on market, and more.
Market Sales Data
49 sales in 2026 (year to date)
Median Sale Price
$385,690
Days to Sell
85
Homes Sold
49
Inventory
70
Sale-to-List
97.9%
New Listings
68
Price/SqFt
$165
Pending Sales
53
Conforming Loan Available
Most homebuyers in 30025 can comfortably use conventional financing. The median home price of $385,690 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 85 days on average, 30025 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 30025 sells for 2.1% below asking price (97.9% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 30025 can comfortably use conventional financing. The median home price of $385,690 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 30025 are set at the county level.
2026 Loan Limits — Morgan County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $718,750 |
| 2 Units | $1,066,250 | $920,150 |
| 3 Units | $1,288,800 | $1,112,250 |
| 4 Units | $1,601,750 | $1,382,250 |
Affordability Snapshot — Zip 30025
To purchase the median home at $385,690 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,105.
Monthly Payment
$3,105
Income Required
$133,073
Principal & Interest
$2,377/mo
Down Payment (5%)
$19,285
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 30025.
Estimated Monthly Payment
$2,537
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