ZIP Code 31406 — Savannah city, GA Demographics & Data

ZIP code 31406 covers Savannah, GA in Chatham County with a population of about 34,649.

At a glance, the area shows median age of 36.5 versus a U.S. median of about 38.9.

It sits in telephone area code 912; U.S. House district GA-1; the SAVANNAH media market.

Savannah, GA sits in a university / college context (near south university-savannah online (1.8 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 31406 is about $66,084 — about 12% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 15.0%; unemployment rate near 3.0%; 36.9% of adults with a bachelor’s degree or higher (about 3.2 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Education; about 7.6% of workers reporting work-from-home (about 7.6 points below 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 $260,800 — about 25% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,108 (about 5% below the U.S. median rent ($1,163)), and owner-occupancy near 58.4% (about 7.0 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 31406 in Savannah, GA, a household would need roughly $72,000 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 $1,675. That is roughly in line with the local median household income ($66,084). 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 Savannah city, GA as Relatively High (composite score 97.4), which is among the highest nationally. The strongest component scores on US5 are hurricane (99.4) and wildfire (92.4). 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 Savannah city, GA show little to no average snow and around 48.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,529 for ZIP 31406 (Savannah city, 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.