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Albany city, GA

ZIP 31721 — 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 31721

Median Home Value
$209,900
Median Rent
$861
Affordability Snapshot
$58,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,348/mo PITI).

13%
Rent-to-Income Ratio

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

2.7x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

20.3 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 31721 in Albany city, GA, a household would need roughly $58,000 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 $1,348. That sits below the local median household income ($78,314), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
68.5%+5% vs US avg
x
Vacancy Rate
5.9%-43% vs US avg
x
Broadband Access
92.3%+6% vs US avg
x
4+ Bedrooms
4.8%-68% vs US avg
x
Built Pre-1939
0.2%-98% vs US avg
x
Built Post-2014
1.1%-84% vs US avg
x
Rent Burden >30%
16.0%-68% vs US avg
x
Mortgage-Free
36.7%-4% vs US avg
x
$209,900
Home Value
$861
Rent
1990
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 detached75.1%
  • 1-unit attached2.1%
  • 2-9 units14.8%
  • 10+ units2.5%
  • Mobile home & other5.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$209,900
Median rent$861
Owner-occupied68.5%
Vacant5.9%
Price-to-income2.7x
Est. income to buy$58,000