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St. Marys city, GA

ZIP 31558 — 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 31558

Median Home Value
$250,700
Median Rent
$1,033
Affordability Snapshot
$69,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,610/mo PITI).

18%
Rent-to-Income Ratio

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

3.7x
Home Price-to-Income Ratio

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

20.2 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 31558 in St. Marys city, GA, a household would need roughly $69,000 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 $1,610. That is roughly in line with the local median household income ($67,761). 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
53.3%-19% vs US avg
x
Vacancy Rate
7.7%-26% vs US avg
x
Broadband Access
92.3%+6% vs US avg
x
4+ Bedrooms
2.8%-81% vs US avg
x
Built Pre-1939
0.8%-94% vs US avg
x
Built Post-2014
1.9%-73% vs US avg
x
Rent Burden >30%
32.9%-34% vs US avg
x
Mortgage-Free
33.9%-11% vs US avg
x
$250,700
Home Value
$1,033
Rent
1993
Year Built
2017
Moved In

Residents have lived here since ~2017 on average

Housing Structure

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

  • 1-unit detached67.2%
  • 1-unit attached3.7%
  • 2-9 units17.4%
  • 10+ units5.4%
  • Mobile home & other6.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$250,700
Median rent$1,033
Owner-occupied53.3%
Vacant7.7%
Price-to-income3.7x
Est. income to buy$69,000