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Irwinton city, GA

ZIP 31042 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 31042

Median Home Value
$85,500
Median Rent
$452
Affordability Snapshot
$24,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$549/mo PITI).

15%
Rent-to-Income Ratio

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

2.4x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

15.8 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 31042 in Irwinton city, GA, a household would need roughly $24,000 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 $549. That sits below the local median household income ($35,273), 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

Vacancy rate 23% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
86.9%+33% vs US avg
x
Vacancy Rate
22.7%+120% vs US avg
x
Broadband Access
74.5%-14% vs US avg
x
4+ Bedrooms
4.9%-67% vs US avg
x
Built Pre-1939
7.9%-38% vs US avg
x
Built Post-2014
1.9%-73% vs US avg
x
Rent Burden >30%
9.8%-80% vs US avg
x
Mortgage-Free
66.4%+74% vs US avg
x
$85,500
Home Value
$452
Rent
1983
Year Built
2005
Moved In

Residents have lived here since ~2005 on average

Housing Structure

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

  • 1-unit detached60.2%
  • 1-unit attached0.0%
  • 2-9 units1.5%
  • 10+ units0.2%
  • Mobile home & other38.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$85,500
Median rent$452
Owner-occupied86.9%
Vacant22.7%
Price-to-income2.4x
Est. income to buy$24,000