US5.com
  1. Home
  2. States
  3. Georgia
  4. ZIP 31321
  5. Housing & Real Estate
Pembroke city, GA

ZIP 31321 — 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 31321

Median Home Value
$145,600
Median Rent
$806
Affordability Snapshot
$40,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$935/mo PITI).

14%
Rent-to-Income Ratio

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

2.1x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

15.1 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 31321 in Pembroke city, GA, a household would need roughly $40,000 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 $935. That sits below the local median household income ($70,781), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
73.3%+12% vs US avg
x
Vacancy Rate
9.1%-11% vs US avg
x
Broadband Access
83.4%-4% vs US avg
x
4+ Bedrooms
2.4%-84% vs US avg
x
Built Pre-1939
3.6%-72% vs US avg
x
Built Post-2014
1.5%-78% vs US avg
x
Rent Burden >30%
7.2%-85% vs US avg
x
Mortgage-Free
46.8%+22% vs US avg
x
$145,600
Home Value
$806
Rent
1995
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 detached50.6%
  • 1-unit attached0.0%
  • 2-9 units8.7%
  • 10+ units1.5%
  • Mobile home & other39.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$145,600
Median rent$806
Owner-occupied73.3%
Vacant9.1%
Price-to-income2.1x
Est. income to buy$40,000