31750 — Wilcox County, Georgia Market Snapshot
Housing market data for zip code 31750 in Wilcox County, Georgia. Updated monthly with median prices, days on market, and more.
Market Sales Data
44 sales in 2026 (year to date)
Median Sale Price
$139,250
Days to Sell
68
Homes Sold
44
Inventory
60
Sale-to-List
92.5%
New Listings
48
Price/SqFt
$89
Pending Sales
58
Conforming Loan Available
Most homebuyers in 31750 can comfortably use conventional financing. The median home price of $139,250 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 68 days on average, 31750 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 31750 sells for 7.5% below asking price (92.5% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 31750 can comfortably use conventional financing. The median home price of $139,250 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 31750 are set at the county level.
2026 Loan Limits — Wilcox 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 31750
To purchase the median home at $139,250 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,217.
Monthly Payment
$1,217
Income Required
$52,152
Principal & Interest
$858/mo
Down Payment (5%)
$6,963
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 31750.
Estimated Monthly Payment
$1,012
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