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Cadwell town, GA

ZIP 31009 — 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 31009

Median Home Value
$90,500
Median Rent
$391
Affordability Snapshot
$25,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$581/mo PITI).

10%
Rent-to-Income Ratio

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

1.9x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

19.3 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 31009 in Cadwell town, GA, a household would need roughly $25,000 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 $581. That sits below the local median household income ($48,302), 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 30% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
70.8%+8% vs US avg
x
Vacancy Rate
29.9%+191% vs US avg
x
Broadband Access
79.7%-8% vs US avg
x
4+ Bedrooms
2.2%-85% vs US avg
x
Built Pre-1939
10.3%-19% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
9.9%-80% vs US avg
x
Mortgage-Free
60.8%+59% vs US avg
x
$90,500
Home Value
$391
Rent
1977
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached71.1%
  • 1-unit attached0.0%
  • 2-9 units0.8%
  • 10+ units0.0%
  • Mobile home & other28.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$90,500
Median rent$391
Owner-occupied70.8%
Vacant29.9%
Price-to-income1.9x
Est. income to buy$25,000