ZIP Code 39866 — Morgan city, GA Demographics & Data

ZIP code 39866 covers Morgan, GA in Calhoun County with a population of about 2,012.

At a glance, the area shows median age of 38.1 (near the U.S. median).

It sits in telephone area code 229; U.S. House district GA-2; the ALBANY, GA media market.

Median household income in ZIP 39866 is about $42,917 — about 43% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 16.1%; unemployment rate near 22.6%; 4.3% of adults with a bachelor’s degree or higher (about 29.4 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Agriculture, Manufacturing, and Transportation; about 33.0% of workers reporting work-from-home (about 17.8 points above the U.S. share (15.2%)); a mean commute of about 69.0 minutes (U.S. average near 26.8).

Median home value is about $90,200 — about 74% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 66.1% (roughly in line with the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 39866 in Morgan, GA, a household would need roughly $25,000 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 $579. That sits below the local median household income ($42,917), 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.

FEMA’s National Risk Index rates natural-hazard risk for Morgan city, GA as Very Low (composite score 16.3), which is relatively lower than many U.S. communities. The strongest component scores on US5 are hurricane (78.7) and wildfire (29.3). 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 Morgan city, GA show little to no average snow and around 55.7 inches of annual precipitation.

IRS migration statistics show a net inflow of about 89 for ZIP 39866 (Morgan 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.