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Centerville city, GA

ZIP 31028 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 31028

Median Home Value
$262,600
Median Rent
$996
Affordability Snapshot
$72,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,687/mo PITI).

14%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

3.1x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

22.0 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 31028 in Centerville city, GA, a household would need roughly $72,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,687. That sits below the local median household income ($83,536), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
69.6%+6% vs US avg
x
Vacancy Rate
8.6%-16% vs US avg
x
Broadband Access
95.3%+10% vs US avg
x
4+ Bedrooms
11.4%-23% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
0.8%-88% vs US avg
x
Rent Burden >30%
10.1%-80% vs US avg
x
Mortgage-Free
32.9%-14% vs US avg
x
$262,600
Home Value
$996
Rent
2001
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached83.5%
  • 1-unit attached2.0%
  • 2-9 units1.7%
  • 10+ units5.9%
  • Mobile home & other6.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$262,600
Median rent$996
Owner-occupied69.6%
Vacant8.6%
Price-to-income3.1x
Est. income to buy$72,000