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Sterling CDP, GA

ZIP 31523 — 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 31523

Median Home Value
$276,200
Median Rent
$814
Affordability Snapshot
$76,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,774/mo PITI).

11%
Rent-to-Income Ratio

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

3.1x
Home Price-to-Income Ratio

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

28.3 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 31523 in Sterling CDP, GA, a household would need roughly $76,000 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 $1,774. That sits below the local median household income ($90,148), 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

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
87.5%+34% vs US avg
x
Vacancy Rate
4.4%-57% vs US avg
x
Broadband Access
89.8%+3% vs US avg
x
4+ Bedrooms
5.5%-63% vs US avg
x
Built Pre-1939
0.7%-94% vs US avg
x
Built Post-2014
0.5%-93% vs US avg
x
Rent Burden >30%
10.5%-79% vs US avg
x
Mortgage-Free
25.6%-33% vs US avg
x
$276,200
Home Value
$814
Rent
1999
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached83.6%
  • 1-unit attached0.3%
  • 2-9 units1.1%
  • 10+ units0.5%
  • Mobile home & other14.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$276,200
Median rent$814
Owner-occupied87.5%
Vacant4.4%
Price-to-income3.1x
Est. income to buy$76,000