ZIP Code 31410 — Wilmington Island CDP, GA Demographics & Data

ZIP code 31410 covers Wilmington Island, GA in Chatham County with a population of about 22,867.

At a glance, the area shows median age of 43.8 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.

Median household income in ZIP 31410 is about $97,225 — about 29% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 4.1%; unemployment rate near 3.3%; 50.6% of adults with a bachelor’s degree or higher (about 16.9 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Professional services; about 11.4% of workers reporting work-from-home (about 3.8 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 $367,700 — about 6% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,456 (about 25% above the U.S. median rent ($1,163)), and owner-occupancy near 78.5% (about 13.1 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 31410 in Wilmington Island, GA, a household would need roughly $101,000 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 $2,362. That is roughly in line with the local median household income ($97,225). 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 Wilmington Island CDP, 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 Wilmington Island CDP, GA show little to no average snow and around 48.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,009 for ZIP 31410 (Wilmington Island CDP, 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.