ZIP Code 31641 — Naylor CDP, GA Demographics & Data

ZIP code 31641 covers Naylor, GA in Lowndes County with a population of about 1,765.

At a glance, the area shows median age of 48.6 versus a U.S. median of about 38.9.

It sits in telephone area code 229; U.S. House district GA-8; the TALLAHASSEE - THOMASVILLE media market.

Median household income in ZIP 31641 is about $46,500 — about 38% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 26.6%; unemployment rate near 0.0%; 21.1% of adults with a bachelor’s degree or higher (about 12.6 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Food services, Retail trade, and Finance and insurance; about 7.4% of workers reporting work-from-home (about 7.8 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 $178,100 — about 49% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $839 (about 28% below the U.S. median rent ($1,163)), and owner-occupancy near 88.0% (about 22.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 31641 in Naylor, GA, a household would need roughly $49,000 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 $1,144. That is roughly in line with the local median household income ($46,500). 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 Naylor CDP, GA as Relatively Low (composite score 72.6), which is elevated versus much of the country. The strongest component scores on US5 are hurricane (91.2) and wildfire (72.5). 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 Naylor CDP, GA show little to no average snow.

IRS migration statistics show a net inflow of about 78 for ZIP 31641 (Naylor 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.