US5.com
  1. Home
  2. States
  3. Georgia
  4. ZIP 31565
  5. Housing & Real Estate
Waverly CDP, GA

ZIP 31565 — 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 31565

Median Home Value
$231,300
Median Rent
$813
Affordability Snapshot
$64,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,486/mo PITI).

14%
Rent-to-Income Ratio

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

3.2x
Home Price-to-Income Ratio

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

23.7 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 31565 in Waverly CDP, GA, a household would need roughly $64,000 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 $1,486. That sits below the local median household income ($72,054), 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

Vacancy rate 17% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
86.5%+32% vs US avg
x
Vacancy Rate
17.1%+66% vs US avg
x
Broadband Access
96.7%+11% vs US avg
x
4+ Bedrooms
1.5%-90% vs US avg
x
Built Pre-1939
2.4%-82% vs US avg
x
Built Post-2014
1.9%-73% vs US avg
x
Rent Burden >30%
67.8%+36% vs US avg
x
Mortgage-Free
54.8%+43% vs US avg
x
$231,300
Home Value
$813
Rent
1999
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached69.7%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other30.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$231,300
Median rent$813
Owner-occupied86.5%
Vacant17.1%
Price-to-income3.2x
Est. income to buy$64,000