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Chester town, GA

ZIP 31012 — 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 31012

Median Home Value
$139,600
Median Rent
$264
Affordability Snapshot
$38,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$897/mo PITI).

4%
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.

44.1 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 31012 in Chester town, GA, a household would need roughly $38,000 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 $897. That sits below the local median household income ($72,350), 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
81.3%+24% vs US avg
x
Vacancy Rate
24.3%+136% vs US avg
x
Broadband Access
71.9%-17% vs US avg
x
4+ Bedrooms
8.8%-41% vs US avg
x
Built Pre-1939
2.9%-78% vs US avg
x
Built Post-2014
0.3%-95% vs US avg
x
Rent Burden >30%
15.5%-69% vs US avg
x
Mortgage-Free
67.4%+76% vs US avg
x
$139,600
Home Value
$264
Rent
1985
Year Built
2005
Moved In

Residents have lived here since ~2005 on average

Housing Structure

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

  • 1-unit detached57.3%
  • 1-unit attached0.0%
  • 2-9 units9.4%
  • 10+ units3.5%
  • Mobile home & other29.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$139,600
Median rent$264
Owner-occupied81.3%
Vacant24.3%
Price-to-income1.9x
Est. income to buy$38,000