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Hamilton city, GA

ZIP 31811 — 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 31811

Median Home Value
$266,400
Median Rent
$831
Affordability Snapshot
$73,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,711/mo PITI).

11%
Rent-to-Income Ratio

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

2.9x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

26.7 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 31811 in Hamilton city, GA, a household would need roughly $73,000 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 $1,711. That sits below the local median household income ($91,290), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
85.9%+31% vs US avg
x
Vacancy Rate
10.0%-3% vs US avg
x
Broadband Access
83.8%-4% vs US avg
x
4+ Bedrooms
5.3%-64% vs US avg
x
Built Pre-1939
2.3%-82% vs US avg
x
Built Post-2014
2.0%-71% vs US avg
x
Rent Burden >30%
28.8%-42% vs US avg
x
Mortgage-Free
39.8%+4% vs US avg
x
$266,400
Home Value
$831
Rent
2000
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached88.3%
  • 1-unit attached1.9%
  • 2-9 units3.3%
  • 10+ units0.0%
  • Mobile home & other6.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$266,400
Median rent$831
Owner-occupied85.9%
Vacant10.0%
Price-to-income2.9x
Est. income to buy$73,000