30104 — Polk County, Georgia Market Snapshot
Housing market data for zip code 30104 in Polk County, Georgia. Updated monthly with median prices, days on market, and more.
Market Sales Data
16 sales in 2026 (year to date)
Median Sale Price
$248,449
Days to Sell
55
Homes Sold
16
Inventory
22
Sale-to-List
96.2%
New Listings
21
Price/SqFt
$172
Pending Sales
19
Conforming Loan Available
Most homebuyers in 30104 can comfortably use conventional financing. The median home price of $248,449 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
30104's market is balanced with homes taking an average of 55 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 30104 sells for 3.8% below asking price (96.2% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 30104 can comfortably use conventional financing. The median home price of $248,449 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 30104 are set at the county level.
2026 Loan Limits — Polk 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 30104
To purchase the median home at $248,449 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,054.
Monthly Payment
$2,054
Income Required
$88,009
Principal & Interest
$1,531/mo
Down Payment (5%)
$12,422
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 30104.
Estimated Monthly Payment
$1,688
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