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Sparta city, GA

ZIP 31087 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Low Income AreaLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 31087

Median Home Value
$88,100
Median Rent
$364
Affordability Snapshot
$24,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$566/mo PITI).

15%
Rent-to-Income Ratio

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

3.0x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

20.2 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 31087 in Sparta city, GA, a household would need roughly $24,000 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 $566. That sits below the local median household income ($29,673), 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 42% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
78.4%+20% vs US avg
x
Vacancy Rate
42.1%+308% vs US avg
x
Broadband Access
60.2%-31% vs US avg
x
4+ Bedrooms
2.0%-86% vs US avg
x
Built Pre-1939
1.4%-89% vs US avg
x
Built Post-2014
0.6%-91% vs US avg
x
Rent Burden >30%
39.1%-21% vs US avg
x
Mortgage-Free
65.0%+70% vs US avg
x
$88,100
Home Value
$364
Rent
1991
Year Built
2003
Moved In

Residents have lived here since ~2003 on average

Housing Structure

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

  • 1-unit detached49.4%
  • 1-unit attached1.1%
  • 2-9 units2.5%
  • 10+ units1.7%
  • Mobile home & other45.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$88,100
Median rent$364
Owner-occupied78.4%
Vacant42.1%
Price-to-income3.0x
Est. income to buy$24,000