Effingham County · Georgia
ZIP code 31312
- Population
- 25,286
- Median income
- $98,367
- Median home
- $264,700
- Sales tax
- 4%
ZCTA residents
Household, past 12 months
Owner-occupied value
Georgia state rate
Quick answer
ZIP 31312 sits in Effingham County, Georgia and is home to 25,286 people. Median household income is $98,367, the median home is worth $264,700 and median gross rent is $1,394. 87.2% of households own their home, and purchases are taxed at 4% (Georgia state rate).
- County
- Effingham County
- State
- Georgia (GA)
- Area codes
- Not published
- Metro area
- Outside covered metros
FIPS 13103
751 ZIPs covered
No NANPA match for this ZIP
Rate jurisdiction used for tax
The numbers for 31312
American Community Survey 2019-2023 ACS 5-year estimates for this ZCTA.
- Population
- 25,286ZIP 31312 residents
- Median household income
- $98,367Past 12 months, inflation adjusted
- Median home value
- $264,700Owner-occupied units
- Median gross rent
- $1,394Rent plus utilities, monthly
- Median age
- 34.8 yrsAll residents
- Homeownership rate
- 87.2%Owner-occupied households
Sales tax in 31312
What a purchase inside this ZIP costs at checkout.
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.
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 31312 compares
ZIP 31312 against the median ZIP in Effingham County and across Georgia.
| Measure | ZIP 31312 | County median | State median | vs state |
|---|---|---|---|---|
| Median household income | $98,367 | $82,196 | $61,524 | +60% |
| Median home value | $264,700 | $254,500 | $194,200 | +36% |
| Median gross rent | $1,394 | $1,141 | $965 | +44% |
| Population | 25,286 | 5,579 | 5,994 | +322% |
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
- #79
- Home value
- #194
- Population
- #164
richer than 89% of 689 state ZIPs
above 71% of 672 state ZIPs
larger than 78% of 751 state ZIPs
Comparable ZIP codes
Georgia ZIP areas with almost the same household income.
Nearby ZIP codes
Other ZIP codes filed under Effingham County.
ZIP 31312 questions
Common questions about this ZIP code.
- Where is ZIP code 31312?
- ZIP 31312 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 31312?
- Georgia charges 4% statewide, plus any county, city or district rate that applies locally.
- Is 31312 expensive to live in?
- Median rent runs $1,394 a month, about 17% of median household income, and the median home is worth $264,700 — +36% 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.
Keep going
Related pages for this area.
Sources & transparency
- US Census Bureau, ACS 2019-2023 5-year estimates — 2019-2023 ACS 5-year — population, income, housing
- Census 2020 ZCTA-to-county relationship file — County assignment by largest land-area overlap
- Georgia Department of Revenue — Sales tax rates and local add-ons
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.