ZIP Code 31064 — Monticello city, GA Demographics & Data

ZIP code 31064 covers Monticello, GA in Jasper County with a population of about 9,859.

At a glance, the area shows median age of 43.4 versus a U.S. median of about 38.9.

It sits in telephone area codes 706, 762; U.S. House district GA-10; the ATLANTA media market.

Median household income in ZIP 31064 is about $56,961 — about 24% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 15.8%; unemployment rate near 8.3%; 23.0% of adults with a bachelor’s degree or higher (about 10.7 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Education, and Manufacturing; about 9.4% of workers reporting work-from-home (about 5.8 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $223,100 — about 36% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $683 (about 41% below the U.S. median rent ($1,163)), and owner-occupancy near 82.1% (about 16.7 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 31064 in Monticello, GA, a household would need roughly $61,000 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 $1,433. That is roughly in line with the local median household income ($56,961). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Monticello city, GA as Very Low (composite score 8.1), which is relatively lower than many U.S. communities. The strongest component scores on US5 are hurricane (50.6) and wildfire (41.4). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Monticello city, GA show little to no average snow and around 46.7 inches of annual precipitation.

IRS migration statistics show a net inflow of about 435 for ZIP 31064 (Monticello city, GA) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.