ZIP Code 31558 — St. Marys city, GA Demographics & Data

ZIP code 31558 covers St. Marys, GA in Camden County with a population of about 22,498.

At a glance, the area shows median age of 32.7 versus a U.S. median of about 38.9.

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

Median household income in ZIP 31558 is about $67,761 — about 10% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 19.6%; unemployment rate near 8.8%; 24.9% of adults with a bachelor’s degree or higher (about 8.8 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Manufacturing, and Food services; about 13.1% of workers reporting work-from-home (about 2.1 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 $250,700 — about 28% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,033 (about 11% below the U.S. median rent ($1,163)), and owner-occupancy near 53.3% (about 12.1 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 31558 in St. Marys, GA, a household would need roughly $69,000 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 $1,610. That is roughly in line with the local median household income ($67,761). 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 St. Marys city, GA as Relatively Low (composite score 54.5), which is near the middle of the national distribution. The strongest component scores on US5 are hurricane (91.1) and wildfire (84.4). 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 St. Marys city, GA show little to no average snow and around 47.2 inches of annual precipitation.

IRS migration statistics show a net inflow of about 993 for ZIP 31558 (St. Marys 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.