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Lumpkin city, GA

ZIP 31815 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 31815

Median Home Value
$45,500
Median Rent
$190
Affordability Snapshot
$13,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$292/mo PITI).

6%
Rent-to-Income Ratio

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

1.2x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

20.0 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 31815 in Lumpkin city, GA, a household would need roughly $13,000 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 $292. That sits below the local median household income ($36,771), 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 16% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
70.8%+8% vs US avg
x
Vacancy Rate
16.3%+58% vs US avg
x
Broadband Access
58.6%-33% vs US avg
x
4+ Bedrooms
3.4%-77% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
1.3%-81% vs US avg
x
Rent Burden >30%
2.5%-95% vs US avg
x
Mortgage-Free
68.6%+80% vs US avg
x
$45,500
Home Value
$190
Rent
1983
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached50.4%
  • 1-unit attached5.7%
  • 2-9 units1.2%
  • 10+ units11.0%
  • Mobile home & other31.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$45,500
Median rent$190
Owner-occupied70.8%
Vacant16.3%
Price-to-income1.2x
Est. income to buy$13,000