ZIP Code 31522 — St. Simons CDP, GA Demographics & Data

ZIP code 31522 covers St. Simons, GA in Glynn County with a population of about 17,603.

At a glance, the area shows median age of 59.7 versus a U.S. median of about 38.9.

It sits in telephone area code 912; U.S. House district GA-1; the JACKSONVILLE media market.

St. Simons, GA fits a retirement-oriented profile (high share of residents 65+ (39.4%)). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 31522 is about $106,413 — about 42% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 4.8%; unemployment rate near 2.5%; 56.2% of adults with a bachelor’s degree or higher (about 22.5 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Professional services, Retail trade, and Healthcare; about 17.5% of workers reporting work-from-home (about 2.3 points above 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 $498,300 — about 43% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,459 (about 25% above the U.S. median rent ($1,163)), and owner-occupancy near 85.7% (about 20.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 31522 in St. Simons, GA, a household would need roughly $137,000 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 $3,201. That is about 29% above the local median household income ($106,413), so the median earner would likely stretch or need a larger down payment. 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 St. Simons CDP, GA as Relatively Moderate (composite score 83.7), which is elevated versus much of the country. The strongest component scores on US5 are hurricane (95.9) and wildfire (92.1). 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 St. Simons CDP, GA show little to no average snow and around 45.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 777 for ZIP 31522 (St. Simons CDP, 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.