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Effingham County · Georgia

ZIP code 31307

Population, income, housing costs and the sales tax rate charged on purchases inside ZIP 31307 — Census 2019-2023 ACS 5-year, no modelled estimates.
Population
1,620

ZCTA residents

Median income
$110,573

Household, past 12 months

Median home
$270,700

Owner-occupied value

Sales tax
4%

Georgia state rate

Quick answer

ZIP 31307 sits in Effingham County, Georgia and is home to 1,620 people. Median household income is $110,573, the median home is worth $270,700 and median gross rent is —. 83.3% of households own their home, and purchases are taxed at 4% (Georgia state rate).

County
Effingham County

FIPS 13103

State
Georgia (GA)

751 ZIPs covered

Area codes
Not published

No NANPA match for this ZIP

Metro area
Outside covered metros

Rate jurisdiction used for tax

The numbers for 31307

American Community Survey 2019-2023 ACS 5-year estimates for this ZCTA.

Population
1,620ZIP 31307 residents
Median household income
$110,573Past 12 months, inflation adjusted
Median home value
$270,700Owner-occupied units
Median gross rent
—Rent plus utilities, monthly
Median age
28 yrsAll residents
Homeownership rate
83.3%Owner-occupied households

ZIP 31307 in context

How this area compares with national benchmarks.

ZIP 31307 is a small town in Effingham County, Georgia, with 1,620 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #573 of 751 ranked by population — larger than 23% of them. The median age here is 28 years against 39.1 nationally, a distinctly younger profile, typical of places with students, military posts or a fast-growing family population. At this population the ACS sample is small, so the margin of error around every dollar figure below is wide — treat the numbers as a band, not a point, and expect them to move between annual releases without the place itself changing.

Households in ZIP 31307 earn a median of $110,573 a year, 40.8% above the national figure of $78,538. Household income here is measured before tax and pooled across everyone at the address, which is why it reads higher than typical individual earnings in the same area. Poverty reaches 2.1% of residents here, less than half the 12.4% national rate.

The typical owner-occupied home in ZIP 31307 is valued at $270,700, 10.8% below the national figure, while median gross rent runs not published a month. The home-price-to-income ratio works out to 2.4×, against roughly 3.9× nationally, so purchase prices are unusually low against local pay, the pattern in places where supply is plentiful and wage growth has been flat. 83.3% of occupied homes are owner-occupied versus 65% nationally, an owner-dominated market where rental listings are scarce and rent medians rest on a thin sample. The rent line includes utilities paid by the tenant, a definition worth remembering when comparing it against a landlord's quoted rate.

A median age of 28 means a large student or early-career population; income medians in places like this understate household resources, since many residents are supported from outside the address.

The Census withheld gross rent for ZIP 31307 because the sample was too thin to publish at this geography. Those values were suppressed at the source, not lost in our dataset, and we do not model a replacement. Everything else on this page comes straight from the ACS 2019-2023 ACS 5-year tables.

Reading ZIP 31307 in context

How 31307 sits inside Effingham County and Georgia.

ZIP 31307 is tabulated inside Effingham County, Georgia, one of 6 ZIP areas the Census publishes for that county and 751 across Georgia. Fewer than 2,500 people are counted here, so the ZIP behaves like a village delivery route rather than a neighbourhood. County assignment on this page follows the largest share of the ZIP's land area, which matters where a delivery route crosses a county line: mail addressed to 31307 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 31307 reports a median household income of $110,573, 35% above the $82,196 county median, and 80% above the $61,524 typical GA ZIP. Owner-occupied homes are valued at a median of $270,700, 6% above the county figure and 39% above the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at not published a month, which is why it reads higher than the advertised rent on a listing for the same unit.

Georgia charges 4% statewide, and local governments overlapping 31307 may add county, city or special-district levies on top. We publish the state floor for this ZIP rather than guessing a combined figure, because ZIP boundaries and taxing-district boundaries were drawn for different purposes and do not line up.

Everything above comes from the Census Bureau American Community Survey 2019-2023 ACS 5-year estimates for this ZIP Code Tabulation Area, with sales tax rates traced to the state revenue agency. Five-year estimates pool sixty months of responses, so they are stable enough to compare 31307 with its neighbours but always trail the current year, and any value the Census suppressed for sample size is shown as unpublished rather than filled in with a model.

Sales tax in 31307

What a purchase inside this ZIP costs at checkout.

Rate applied
4%State base rate only
Tax on $100
$4Rounded to the dollar
Tax on $1,000
$40Before any exemptions

Georgia levies 4% statewide, and counties, cities and special districts inside this ZIP can add their own local rate on top. Check the county page for the local component before you quote a price.

Affordability in this ZIP

Derived from the Census medians above — indicative, not an offer.

Rent burden
—Median rent ÷ median income
Price-to-income
2.4×Home value ÷ household income
Est. mortgage
$1,405/mo20% down, 30-yr at 6.75%
Poverty rate
2.1%Residents below poverty line

A rent burden above 30% is the federal threshold for cost-burdened households, and a price-to-income multiple above 4× is generally considered a stretched housing market. The mortgage figure is principal and interest only — taxes, insurance and HOA dues are extra.

How 31307 compares

ZIP 31307 against the median ZIP in Effingham County and across Georgia.

MeasureZIP 31307County medianState medianvs state
Median household income$110,573$82,196$61,524+80%
Median home value$270,700$254,500$194,200+39%
Median gross rent—$1,141$965—
Population1,6205,5795,994-73%

Medians are computed across the 6 ZIP areas in Effingham County and the 751 ZIP areas in Georgia.

Statewide rank

Where this ZIP places among all 751 Georgia ZIP areas.

Income

richer than 93% of 689 state ZIPs

#47
Home value

above 73% of 672 state ZIPs

#182
Population

larger than 24% of 751 state ZIPs

#573

Comparable ZIP codes

Georgia ZIP areas with almost the same household income.

ZIPCountyIncomeHome valueRent
31324Bryan County$110,767$364,200$1,764
30269Fayette County$111,093$459,400$1,910
30517Jackson County$109,627$377,200$1,810
30189Cherokee County$109,324$370,200$1,780
30309Fulton County$111,894$414,700$2,123
30066Cobb County$112,067$373,500$1,760

Nearby ZIP codes

Other ZIP codes filed under Effingham County.

Adjacent ZIP Codes

Other ZIP codes in Effingham County, Georgia.

ZIP 31307 questions

Common questions about this ZIP code.

Where is ZIP code 31307?
ZIP 31307 lies mostly in Effingham County, Georgia. County assignment follows the largest share of land area, so a ZIP straddling a county line is filed under its dominant county.
What sales tax do I pay in 31307?
Georgia charges 4% statewide, plus any county, city or district rate that applies locally.
Is 31307 expensive to live in?
Median rent runs — a month, and the median home is worth $270,700 — +39% against the typical Georgia ZIP.
Is a ZCTA the same as a postal ZIP code?
Not exactly. The Census builds ZIP Code Tabulation Areas from the ZIP codes of addresses inside each census block, so a ZCTA can differ slightly from the USPS delivery route of the same number, and PO-box-only ZIPs have no ZCTA at all.

Related pages for this area.

Sources & transparency

Every figure on this page is a published estimate for ZIP Code Tabulation Area 31307, except the affordability ratios and mortgage estimate, which we derive from those medians and label as estimates.

Last reviewed December 2024. Figures are published for reference and can change; verify with the source agency before filing or contracting. How we build and check this data.