30563 — Stephens County, Georgia Market Snapshot
Housing market data for zip code 30563 in Stephens County, Georgia. Updated monthly with median prices, days on market, and more.
Market Sales Data
21 sales in 2026 (year to date)
Median Sale Price
$321,500
Days to Sell
61
Homes Sold
21
Inventory
15
Sale-to-List
98.4%
New Listings
19
Price/SqFt
$197
Pending Sales
21
Conforming Loan Available
Most homebuyers in 30563 can comfortably use conventional financing. The median home price of $321,500 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 61 days on average, 30563 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
Homes are selling very close to asking price in 30563 (98.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 30563 can comfortably use conventional financing. The median home price of $321,500 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 30563 are set at the county level.
2026 Loan Limits — Stephens 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 30563
To purchase the median home at $321,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,613.
Monthly Payment
$2,613
Income Required
$111,996
Principal & Interest
$1,981/mo
Down Payment (5%)
$16,075
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 30563.
Estimated Monthly Payment
$2,140
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