FairUpdated SEP 1, 2026

Hinesville, GA

ZIP 31313· Liberty County· Hinesville, GA· 42,034 residents· Median income $59,443· Leaning Buyer

31313 · Hinesville, GA has a HavenScore of 51 — market conditions — inventory, days on market, price cuts — currently tilt in buyers' favor.

At the ZIP's typical value, the estimated monthly payment takes 31% of the local median income (Zillow, US Census ACS) and runs $163 a month less than the median rent (Zillow ZORI). The buyer/seller gauge leans narrowly toward buyers, and has for 7 months. Typical values were flat over the last 90 days (Zillow ZHVI).

Saved ZIPs on Haven get an email when the score moves 5+ points as monthly data lands, when the market gauge flips between buyers and sellers, when its valuation read moves against the model value, or when distress jumps in a week.

Zillow ZHVI peaked at $239,845 in Feb 2026; the latest value is -1.2% from that peak, 5 months on. Since January 2019 it is +81.2%. The sharpest 12-month move was -0.9%, ending Jul 2026.

Median price
$236,963
-0.94% past 12 mo
Est. monthly payment
$1,560/ mo
20% down · 30-yr fixed · 6.71% · incl. tax + insurance
CompareShare card
51
HavenScore: higher than 53% of scored ZIPs.
▲ +2 / 90d#3/7 in GABuyer Score
Rank

Ranked #6,294 of 13,130 nationally · #3,329 of 6,756 mid-size ZIPs

Switch perspective

Buyer view active — Leans harder on affordability and downside risk.

Score inputs below recompute for this view

Affordability
57/100
Growth
45/100
Risk
39/100
Momentum
68/100
Livability
44/100
Score · trailing 12 mo
52 → 51
-1 points
30-day
+2
90-day
+2
1-yr
-1

Snapshot

Numbers at a glance, with a year of history under each

Median price
$236,963
down-0.9% 12 mo
Typical home value across the middle tier of homes here — a smoothed Zillow index, steadier than individual sale prices.
Median price: higher than 24% of scored ZIPs.
Twelve-month trend shown as a sparkline; the newest value is $236,963.
Median rent
$1,723
up+5.5% 12 mo
Typical monthly rent (Zillow ZORI, with HUD fair-market rent filling in for smaller markets).
Median rent: higher than 43% of scored ZIPs.
Twelve-month trend shown as a sparkline; the newest value is $1,723.
Price-to-income
4.0×
Median home value divided by median household income. Under 4× has historically been comfortable; over 5× stretches most budgets.
Price-to-income: higher than 39% of scored ZIPs.
Est. monthly payment
$1,560
At the median value with 20% down, a 30-year fixed at 6.71%, plus property tax and insurance.
Est. monthly payment: higher than 27% of scored ZIPs.
Active listings
417
Homes listed for sale right now (Realtor.com). Rising inventory usually favors buyers; falling inventory favors sellers.
Active listings: higher than 98% of scored ZIPs.
Twelve-month trend shown as a sparkline; the newest value is 417.
Days on market
63
How long the typical listing sits before going under contract. Shorter means a tighter market; longer means more room to negotiate.
Days on market: higher than 71% of scored ZIPs.
Twelve-month trend shown as a sparkline; the newest value is 63.
Price cuts
+22.86%
Share of active listings that have lowered their asking price. Rising cuts usually precede softening values.
Twelve-month trend shown as a sparkline; the newest value is +22.86%.
Median income
$59,443
Median household income here, from the latest US Census American Community Survey.
Population
42,034
Current resident estimate. Growth is a demand tailwind; decline is a structural risk.
Twelve-month trend shown as a sparkline; the newest value is 42,034.
Overvaluation
+60.89%
How far today's values sit above the long-run price trend. Positive means stretched; negative means discounted versus trend.
Vacancy
12.5%
Above-average. Share of housing units that are vacant in this ZIP, from the latest US Census ACS 5-year tables.
Owner-occupied
49%
of homes. Share of occupied housing units owned by their occupants (vs. rented), from the US Census ACS.
Denial rate
24.1%
Above-average. Share of mortgage applications denied in this ZIP, from the latest CFPB / FFIEC HMDA disclosures.
Lending activity
1,778
originations. Mortgage originations recorded in this ZIP in the most recent HMDA reporting year. Higher counts = more active lending market.
Net migration
-1.0%
net outflow. Net migration as a share of population, from IRS SOI county-to-county migration data. Positive = more people moving in than out.
Income inflow
$42k
average. Average gross income of households moving INTO this ZIP, from IRS SOI data. Higher = ZIP attracting higher-income households.

Place

What it is like to live here, and what could flood or burn

Place profile
WalkabilityLeast walkable
EPA index 4.7 of 20 · EPA Smart Location Database · Jun 2021 · above 16% of scored ZIPs
Transit accessNo transit data
EPA publishes no stop distance for most block groups
Typical commuteTypical commute
24 minutes one way · US median ZIP 22 · US Census ACS · above 35% of scored ZIPs
Jobs nearbyModerate employment nearby
151 jobs per sq mi · US Census LODES · above 43% of scored ZIPs
Physical riskRelatively High (FEMA)
FEMA National Risk Index composite · Dec 2025 release · above 9% of scored ZIPs

Bands are each source’s own · tick marks the national median ZIP · not blended into the score

Hazard ledger · FEMA National Risk Index

Tract-level rolled up to ZIP · not a property-level rating · no future-year projection · refreshed annually (Dec 2025 release) · county tick = median of 5 scored ZIPs in Liberty County

Everyday prices · BEA Regional Price Parities

Everyday prices in the Hinesville metro run 6% below the US average (BEA Regional Price Parities, 2024).

Rents in the index run 21% below the US average.

$75,000 at US-average prices buys what $70,450 buys here.

Metro-level index, US = 100 · 2024 · the Hinesville metro, not this ZIP alone

Housing cost burden · US Census ACS
Owners spending over 50% of income9%
US median ZIP 6%
Renters spending over 30% of income44%
US median ZIP 45%

What drives the score

Five pillars, each scored 0–100

Affordability

57/100

Growth momentum

45/100

Market risk

39/100

Momentum

68/100

Livability

44/100
Walkability
1–20 index · June 2021 vintage·EPA Smart Location Database
4.7
Transit access
Ranked against every scored ZIP·EPA Smart Location Database
—
Job density
Jobs per square mile, ranked against every scored ZIP·US Census LODES
150.6

See every input behind the pillars, with its value and source

Inside: Affordability: Price-to-income, Property tax rate, Median income · Growth momentum: 12-month price change, 12-month rent change, Population · Market risk: Overvaluation, Active listings, Price cuts · Momentum: Days on market, Buyer / seller gauge, Demand dial

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Market signals

Tailwinds and headwinds right now

Top 3 of 14 signals
Tailwinds0
—
Headwinds3
  • Potentially overvalued
    61% above historical price-to-income
  • Widespread price cuts
    23% of listings cutting price
  • Slow-moving market
    63 days on market — homes sitting longer
Buyer / seller gauge

Market conditions

Leaning Buyer

Conditions are easing in buyers' favor. The score reads more negotiation room than balanced.

-36
Strong buyerBalancedStrong seller
Trend
Cooling toward buyer
Gauge since Mar 2026Leaning Buyer now

Cycle read. Softening: prices -0.9% over the trailing year, with the market leaning toward buyers.

Asking vs closed
Typical value (index)
$236,963
Zillow ZHVI · Sep 2026
Median sale price
$259,500
Redfin · Sep 2026
Sale-to-list
99.3%
Redfin · Sep 2026
Sold above list
28.5%
Redfin · Sep 2026

The Zillow figure is a smoothed index of typical value, not a list price; the Redfin figures are closed sales for the month shown.

Momentum check

What's changed in the last 90 days

🔒 Haven
Locked

Median price

——
🔒 Haven
Locked

Inventory

——
🔒 Haven
Locked

Days on market

——
🔒 Haven
Locked

Price cuts

——

Change vs. prior 90 days · arrow shows direction, not whether it’s good or bad

Pulse signals unlock with Haven, plus a one-line market interpretation.

The 90-day numbers behind each tile open with Haven

Trend

Where it's been

Peak
$239,845
Feb 2026
From peak
-1.2%
5 mo ago
Since Jan 2019
+81.2%
Worst 12 mo
-0.9%
to Jul 2026
Best 12 mo
+24.4%
since 2018

Zillow ZHVI peaked at $239,845 in Feb 2026; the latest value is -1.2% from that peak, 5 months on. Since January 2019 it is +81.2%. The sharpest 12-month move was -0.9%, ending Jul 2026.

Cycle position — prices vs the model’s value estimate and the payment’s share of income vs five years ago — opens with Pro

Appreciation by window

Zillow ZHVI · rank among scored ZIPs
WindowChangePer yearUS rankGeorgia rank
1 yeardown-0.9%-0.9%/yrHigher than 21% nationallyHigher than 33% in Georgia
3 yearsup+10.1%+3.2%/yrHigher than 46% nationallyHigher than 60% in Georgia
5 yearsup+49.4%+8.4%/yrTop 5% nationallyTop 3% in Georgia
10 yearsup+94.6%+6.9%/yrHigher than 61% nationallyHigher than 39% in Georgia
Since 2000up+115.9%+2.9%/yr——

Starter homes vs the top tier

Zillow ZHVI tiers · Jul 2026
Bottom third (starter homes)
$182,470
up+59% 5Yup+127% 10Y
Middle third
$236,963
up+49% 5Yup+95% 10Y
Top third
$295,568
up+33% 5Yup+61% 10Y

Starter homes here rose 59% in five years while top-tier homes rose 33% (Zillow ZHVI tiers) — the bottom of the market outpaced the top.

3-bedroom homes here run 81% above 2-bedrooms (Zillow ZHVI by bedroom); the GA median premium is 42%.

By home type · Zillow ZHVI mid tier
Single-family
$238,514
up+47% 5Y
Condo / co-op
$115,071
up+71% 5Y

Condos here are priced 52% below single-family homes (Zillow ZHVI by home type); over five years single-family rose 47% while condos rose 71%.

The historical reading — which months run highest and lowest here — opens with Haven

Rent, inventory, days on market, Zillow’s market heat, the % view and state and US reference lines open with Haven

Forecast

Where it's heading

The HavenScore Forecast Model (v1) projects this ZIP’s median value at 3-, 6-, and 12-month horizons, with 80% prediction intervals; Pro adds 24- and 36-month horizons.

Price Forecast

3-month projection · 80% range

🔒 Haven
—————
3-month shown  |  6 & 12 months with Haven →
3-month
$233,882
-1.3%
80% range $229.4K–$235.5K
6-month
🔒 Haven
12-month
🔒 Haven

Of the 3-month ranges we published since December 2025, 60% contained the actual price. Track record →

6- and 12-month projections, their 80% ranges, and what moves the forecast unlock with Haven.

Zillow's own published forecast has this ZIP's typical value rise 3.1% over the twelve months from July 2026 (Zillow Home Value Forecast).

Forecasts are the model’s projection, not a prediction. Actuals will differ.

See the 6- and 12-month price ranges for this ZIP and what moves the forecast

Haven · 14-day free trial · then from $8/mo

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Monthly cost

What you'd owe each month

Est. monthly payment
$1,560/ mo

20% down · 30-yr fixed · 6.71% · tax 0.92%

Principal$164
Interest$1,060
Property tax$182
Insurance$154
Rent vs buy
Median rent
$1,723
/ mo
Own (payment)
$1,560
/ mo
Monthly gap
$163owning is at or below rent today

Insurance uses the average homeowners premium insurers reported for this ZIP in 2022, $1,852 a year (Treasury Federal Insurance Office).

Payment share of income

31%of the ZIP’s median income at the median value ($1,560/mo against $59,443 · Zillow, Freddie Mac PMMS, US Census ACS). Your own marker appears once you set an income or price in the calculator below.

Price-to-income · ZIP vs state vs US

Median home value ÷ median household income · Zillow ZHVI, US Census ACS · under 4× has historically been comfortable

Run the numbers

Your price, rate, down payment and income

Like for like: a 3-bedroom here rents for about $1,870 a month (HUD Small Area Fair Market Rent, FY2026) against a typical 3-bedroom value of $226k (Zillow ZHVI by bedroom) — a 9.9% gross rent yield.

Cost of ownership over time

Cumulative housing cost, interest paid, and equity built · 20% down · ZIP median income $59,443

See the 1-, 5-, and 30-year cost of owning here

Inside: Total housing cost · Interest paid · Principal paid · Equity built

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Equity assumes flat home value; real appreciation could push it higher · Rate 6.71%

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Comparable ZIPs

Same shape, lower entry

ZIPs the score groups near 31313 on Affordability and Growth — sorted by lowest median value. Each tile names what the lower price trades: commute (ACS), walkability band (EPA) and hazard rating (FEMA).

ZIP 31323
Riceboro
GA
45
  • Saves $52k
  • Similar commute
  • Similar walkability
  • Similar hazard risk
$184,793+6.05%
ZIP 32334
Telogia
FL
49
  • Saves $37k
  • Longer commute (+11 min)
  • Similar walkability
  • Lower hazard risk
$199,774+5.19%
ZIP 77327
Cleveland
TX
58
  • Saves $30k
  • Longer commute (+18 min)
  • Similar walkability
  • Similar hazard risk
$207,062-2.43%
ZIP 32321
Bristol
FL
48
  • Saves $26k
  • Similar commute
  • Similar walkability
  • Lower hazard risk
$210,560+3.96%

Sources

Every number, traced

Every metric above is sourced from public datasets, normalized against the national ZIP distribution. Home values and rents refresh monthly; demographics refresh annually.

Zillow Research
Home values, rents, inventory, transactions
Realtor.com
Inventory, days on market, price-cut share
Redfin
Sale prices, transaction volume
US Census ACS
Income, population, vacancy, cost burden
Freddie Mac PMMS
Current 30-year fixed mortgage rates
FHFA HPI
Long-term price trends
HUD Small Area FMR
Per-ZIP fair market rents (rural fallback)
BEA & IRS
Personal income growth, net migration
Lending & accessibility
Lending and neighborhood-access signals
Research the restNo crime or school rating here — why. The primary sources:GreatSchools→NCES School Search→FBI Crime Data Explorer→

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