31217 — Twiggs County, Georgia Market Snapshot
Housing market data for zip code 31217 in Twiggs 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
$77,650
Days to Sell
38
Homes Sold
28
Inventory
71
Sale-to-List
89.0%
New Listings
57
Price/SqFt
$57
Pending Sales
44
Conforming Loan Available
Most homebuyers in 31217 can comfortably use conventional financing. The median home price of $77,650 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
31217's market is balanced with homes taking an average of 38 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 31217 sells for 11.0% below asking price (89.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 31217 can comfortably use conventional financing. The median home price of $77,650 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 31217 are set at the county level.
2026 Loan Limits — Twiggs 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 31217
To purchase the median home at $77,650 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $745.
Monthly Payment
$745
Income Required
$31,925
Principal & Interest
$478/mo
Down Payment (5%)
$3,883
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 31217.
Estimated Monthly Payment
$631
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