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Garden City city, GA

ZIP 31408 — 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 31408

Median Home Value
$160,600
Median Rent
$887
Affordability Snapshot
$44,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,032/mo PITI).

27%
Rent-to-Income Ratio

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

4.0x
Home Price-to-Income Ratio

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

15.1 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 31408 in Garden City city, GA, a household would need roughly $44,000 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 $1,032. That is roughly in line with the local median household income ($40,109). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
41.5%-36% vs US avg
x
Vacancy Rate
9.5%-8% vs US avg
x
Broadband Access
88.6%+2% vs US avg
x
4+ Bedrooms
1.0%-93% vs US avg
x
Built Pre-1939
10.1%-21% vs US avg
x
Built Post-2014
1.6%-78% vs US avg
x
Rent Burden >30%
10.7%-78% vs US avg
x
Mortgage-Free
49.0%+28% vs US avg
x
$160,600
Home Value
$887
Rent
1976
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

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

  • 1-unit detached49.4%
  • 1-unit attached2.0%
  • 2-9 units30.1%
  • 10+ units3.4%
  • Mobile home & other15.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$160,600
Median rent$887
Owner-occupied41.5%
Vacant9.5%
Price-to-income4.0x
Est. income to buy$44,000