30054 — Walton County, Georgia Market Snapshot
Housing market data for zip code 30054 in Walton County, Georgia. Updated monthly with median prices, days on market, and more.
Market Sales Data
30 sales in 2026 (year to date)
Median Sale Price
$390,950
Days to Sell
65
Homes Sold
30
Inventory
46
Sale-to-List
96.4%
New Listings
42
Price/SqFt
$162
Pending Sales
29
Conforming Loan Available
Most homebuyers in 30054 can comfortably use conventional financing. The median home price of $390,950 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 65 days on average, 30054 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 30054 sells for 3.6% below asking price (96.4% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 30054 can comfortably use conventional financing. The median home price of $390,950 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 30054 are set at the county level.
2026 Loan Limits — Walton 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 30054
To purchase the median home at $390,950 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,145.
Monthly Payment
$3,145
Income Required
$134,800
Principal & Interest
$2,409/mo
Down Payment (5%)
$19,548
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 30054.
Estimated Monthly Payment
$2,570
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 30054. Tell us what you're looking for.