US5.com
  1. Home
  2. States
  3. Georgia
  4. ZIP 39862
  5. Housing & Real Estate
Leary city, GA

ZIP 39862 — 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 39862

Median Home Value
$112,000
Median Rent
$475
Affordability Snapshot
$31,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$719/mo PITI).

12%
Rent-to-Income Ratio

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

2.4x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

19.6 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 39862 in Leary city, GA, a household would need roughly $31,000 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 $719. That sits below the local median household income ($46,500), 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 27% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
89.1%+36% vs US avg
x
Vacancy Rate
27.3%+165% vs US avg
x
Broadband Access
67.5%-22% vs US avg
x
4+ Bedrooms
0.8%-95% vs US avg
x
Built Pre-1939
6.4%-50% vs US avg
x
Built Post-2014
0.9%-86% vs US avg
x
Rent Burden >30%
7.1%-86% vs US avg
x
Mortgage-Free
72.5%+90% vs US avg
x
$112,000
Home Value
$475
Rent
1980
Year Built
2002
Moved In

Residents have lived here since ~2002 on average

Housing Structure

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

  • 1-unit detached74.6%
  • 1-unit attached4.2%
  • 2-9 units1.5%
  • 10+ units0.0%
  • Mobile home & other19.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$112,000
Median rent$475
Owner-occupied89.1%
Vacant27.3%
Price-to-income2.4x
Est. income to buy$31,000