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Smithville city, GA

ZIP 31787 — 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 31787

Median Home Value
$236,600
Median Rent
$669
Affordability Snapshot
$65,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,520/mo PITI).

11%
Rent-to-Income Ratio

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

3.1x
Home Price-to-Income Ratio

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

29.5 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 31787 in Smithville city, GA, a household would need roughly $65,000 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 $1,520. That sits below the local median household income ($76,120), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 24% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
78.8%+21% vs US avg
x
Vacancy Rate
24.3%+136% vs US avg
x
Broadband Access
68.8%-21% vs US avg
x
4+ Bedrooms
2.1%-85% vs US avg
x
Built Pre-1939
3.4%-73% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
15.2%-69% vs US avg
x
Mortgage-Free
38.4%+0% vs US avg
x
$236,600
Home Value
$669
Rent
1986
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached76.0%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other24.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$236,600
Median rent$669
Owner-occupied78.8%
Vacant24.3%
Price-to-income3.1x
Est. income to buy$65,000