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Monticello city, GA

ZIP 31064 — 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 31064

Median Home Value
$223,100
Median Rent
$683
Affordability Snapshot
$61,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,433/mo PITI).

14%
Rent-to-Income Ratio

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

3.9x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

27.2 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 31064 in Monticello city, GA, a household would need roughly $61,000 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 $1,433. That is roughly in line with the local median household income ($56,961). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 11% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
82.1%+26% vs US avg
x
Vacancy Rate
10.9%+6% vs US avg
x
Broadband Access
79.6%-9% vs US avg
x
4+ Bedrooms
4.3%-71% vs US avg
x
Built Pre-1939
0.8%-94% vs US avg
x
Built Post-2014
3.0%-56% vs US avg
x
Rent Burden >30%
12.1%-76% vs US avg
x
Mortgage-Free
34.0%-11% vs US avg
x
$223,100
Home Value
$683
Rent
1990
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 detached83.0%
  • 1-unit attached0.7%
  • 2-9 units3.5%
  • 10+ units0.0%
  • Mobile home & other12.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$223,100
Median rent$683
Owner-occupied82.1%
Vacant10.9%
Price-to-income3.9x
Est. income to buy$61,000