ZIP 31510· Bacon County· Waycross, GA· 9,592 residents· Median income $52,721· Leaning Seller
31510 · Alma, GA has a HavenScore of 57 — affordability carries it — prices sit within reach of local incomes.
At the ZIP's typical value, the estimated monthly payment takes 25% of the local median income (Zillow, US Census ACS). The buyer/seller gauge leans narrowly toward sellers, and has for 6 months. Typical values moved lower 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 $161,787 in Jun 2026; the latest value is -1.6% from that peak, 2 months on. Since January 2019 it is +86.1%. The sharpest 12-month move was +0.9%, ending May 2019.
HavenScore: higher than 82% of scored ZIPs.Higher than 82% of scored ZIPs
▲ +1 / 90d#4/9 in GABuyer Score
Rank
Ranked #2,508 of 13,130 nationally · #1,002 of 5,378 small market ZIPs
Switch perspective
Buyer view active — Leans harder on affordability and downside risk.
Score inputs below recompute for this view
Affordability
62/100
Growth
53/100
Risk
58/100
Momentum
59/100
Livability
38/100
Score · trailing 12 mo
73 → 57
-16 points
30-day
0
90-day
+1
1-yr
-16
01
Snapshot
Numbers at a glance, with a year of history under each
Median price
$159,258
▲up+7.8% 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 8% of scored ZIPs.Higher than 8% of scored ZIPs
Twelve-month trend shown as a sparkline; the newest value is $159,258.
Price-to-income
3.0×
Median home value divided by median household income. Under 4× has historically been comfortable; over 5× stretches most budgets.
Price-to-income: higher than 11% of scored ZIPs.Higher than 11% of scored ZIPs
Est. monthly payment
$1,108
At the median value with 20% down, a 30-year fixed at 7.28%, plus property tax and insurance.
Est. monthly payment: higher than 7% of scored ZIPs.Higher than 7% of scored ZIPs
Active listings
30
Homes listed for sale right now (Realtor.com). Rising inventory usually favors buyers; falling inventory favors sellers.
Active listings: higher than 29% of scored ZIPs.Higher than 29% of scored ZIPs
Twelve-month trend shown as a sparkline; the newest value is 30.
Days on market
101
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 96% of scored ZIPs.Higher than 96% of scored ZIPs
Twelve-month trend shown as a sparkline; the newest value is 101.
Price cuts
+5.88%
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 +5.88%.
Median income
$52,721
Median household income here, from the latest US Census American Community Survey.
Population
9,592
Current resident estimate. Growth is a demand tailwind; decline is a structural risk.
Twelve-month trend shown as a sparkline; the newest value is 9,592.
Overvaluation
+68.72%
How far today's values sit above the long-run price trend. Positive means stretched; negative means discounted versus trend.
Vacancy
17.9%
Above-average. Share of housing units that are vacant in this ZIP, from the latest US Census ACS 5-year tables.
Owner-occupied
72%
of homes. Share of occupied housing units owned by their occupants (vs. rented), from the US Census ACS.
Denial rate
35.8%
Above-average. Share of mortgage applications denied in this ZIP, from the latest CFPB / FFIEC HMDA disclosures.
Lending activity
86
originations. Mortgage originations recorded in this ZIP in the most recent HMDA reporting year. Higher counts = more active lending market.
Net migration
-5.9%
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
$50k
average. Average gross income of households moving INTO this ZIP, from IRS SOI data. Higher = ZIP attracting higher-income households.
02
Place
What it is like to live here, and what could flood or burn
Place profile
WalkabilityLeast walkable
EPA index 4.8 of 20 · EPA Smart Location Database · Jun 2021 · above 17% 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 nearbyFew jobs nearby
16 jobs per sq mi · US Census LODES · above 10% of scored ZIPs
Physical riskRelatively Moderate (FEMA)
FEMA National Risk Index composite · Dec 2025 release · above 34% 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
Composite
◆
Relatively Moderate · county 62
Flood
score 45 · above 18% of ZIPs · county 35
Wildfire
score 88 · above 83% of ZIPs · county 88
Hurricane
score 95 · above 93% of ZIPs · county 94
Tract-level rolled up to ZIP · not a property-level rating · no future-year projection · refreshed annually (Dec 2025 release) · county tick = median of 2 scored ZIPs in Bacon County
Housing cost burden · US Census ACS
Owners spending over 50% of income1%
US median ZIP 6%
Renters spending over 30% of income45%
US median ZIP 45%
03
What drives the score
Five pillars, each scored 0–100
Affordability
62/100
Growth momentum
53/100
Market risk
58/100
Momentum
59/100
Livability
38/100
Walkability
1–20 index · June 2021 vintage·EPA Smart Location Database
4.8
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
15.7
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
The score reads conditions tightening in sellers' favor.
+17
Strong buyerBalancedStrong seller
Gauge since Mar 2026Leaning Seller now
Mar
Apr
May
Jun
Jul
Aug
Sep
Buyer’sBalancedSeller’s
Cycle read. Accelerating: prices +7.8% over the trailing year, with the market leaning toward sellers.
Asking vs closed
Typical value (index)
$159,258
Zillow ZHVI · Oct 2026
Median sale price
—
Redfin
Sale-to-list
—
Redfin
Sold above list
—
Redfin
The Zillow figure is a smoothed index of typical value, not a list price; the Redfin figures are closed sales for the month shown. Redfin does not publish every ZIP every month; a dash means no closed-sale figure for the latest month.
05
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
06
Trend
Where it's been
Peak
$161,787
Jun 2026
From peak
-1.6%
2 mo ago
Since Jan 2019
+86.1%
Worst 12 mo
+0.9%
to May 2019
Best 12 mo
+22.3%
since 2018
Zillow ZHVI peaked at $161,787 in Jun 2026; the latest value is -1.6% from that peak, 2 months on. Since January 2019 it is +86.1%. The sharpest 12-month move was +0.9%, ending May 2019.
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
Window
Change
Per year
US rank
Georgia rank
1 year
▲up+7.8%
+7.8%/yr
Top 5% nationally
Top 4% in Georgia
3 years
▲up+16.1%
+5.1%/yr
Top 14% nationally
Top 2% in Georgia
5 years
▲up+42.8%
+7.4%/yr
Top 5% nationally
Top 3% in Georgia
10 years
▲up+100.7%
+7.2%/yr
Top 23% nationally
Higher than 55% in Georgia
Since 2009
▲up+123.9%
+4.7%/yr
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—
Starter homes vs the top tier
Zillow ZHVI tiers · Aug 2026
Bottom third (starter homes)
$73,011
▲up+39% 5Y▲up+105% 10Y
Middle third
$159,258
▲up+38% 5Y▲up+93% 10Y
Top third
$292,574
▲up+19% 5Y▲up+55% 10Y
Starter homes here rose 39% in five years while top-tier homes rose 19% (Zillow ZHVI tiers) — the bottom of the market outpaced the top.
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
07
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
$154,687
-2.9%
80% range $148.9K–$163.3K
6-month
🔒 Haven
12-month
🔒 Haven
Of the 3-month ranges we published since December 2025, 54% 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 1.0% over the twelve months from August 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
Rent data isn’t published for this ZIP, so we can’t compute a rent-vs-buy gap.
Insurance uses the average homeowners premium insurers reported for this ZIP in 2022, $1,374 a year (Treasury Federal Insurance Office).
Payment share of income
0%28%36%50%70%+
25%of the ZIP’s median income at the median value ($1,108/mo against $52,721 · 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
This ZIP
3.0×
GA median ZIP
4.2×
US median ZIP
4.3×
Median home value ÷ median household income · Zillow ZHVI, US Census ACS · under 4× has historically been comfortable
09
Run the numbers
Your price, rate, down payment and income
Like for like: a 3-bedroom here rents for about $1,360 a month (HUD Small Area Fair Market Rent, FY2026) against a typical 3-bedroom value of $195k (Zillow ZHVI by bedroom) — a 8.4% gross rent yield.
Cost of ownership over time
Cumulative housing cost, interest paid, and equity built · 20% down · ZIP median income $52,721
See the 1-, 5-, and 30-year cost of owning here
Inside: Total housing cost · Interest paid · Principal paid · Equity built
ZIPs the score groups near 31510 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).
Every metric above is sourced from public datasets, normalized against the national ZIP distribution. Home values and rents refresh monthly; demographics refresh annually.
Data-driven market takes and the week's biggest ZIP movers, every Tuesday. Want this ZIP specifically? Save it to your account — saved ZIPs get a monthly digest of what changed.