ZIP Code 31020 — Macon-Bibb County, GA Demographics & Data

ZIP code 31020 covers Macon-Bibb County, GA in Twiggs County with a population of about 1,957.

At a glance, the area shows median age of 53.9 versus a U.S. median of about 38.9.

It sits in telephone area code 478; U.S. House district GA-8; the MACON media market.

Median household income in ZIP 31020 is about $48,516 — about 35% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 13.1%; unemployment rate near 2.2%; 5.8% of adults with a bachelor’s degree or higher (about 27.9 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Transportation, and Healthcare; about 23.3% of workers reporting work-from-home (about 8.1 points above the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $103,700 — about 70% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $469 (about 60% below the U.S. median rent ($1,163)), and owner-occupancy near 92.0% (about 26.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 31020 in Macon-Bibb County, GA, a household would need roughly $29,000 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 $666. That sits below the local median household income ($48,516), 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.

FEMA’s National Risk Index rates natural-hazard risk for Macon-Bibb County, GA as Very Low (composite score 8.5), which is relatively lower than many U.S. communities. The strongest component scores on US5 are hurricane (60.1) and wildfire (58.2). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Macon-Bibb County, GA show little to no average snow and around 51.8 inches of annual precipitation.

IRS migration statistics show a net inflow of about 86 for ZIP 31020 (Macon-Bibb County, GA) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.