Median home value in zip code 31645 (Ray City, GA) is $221K, up 3.6% year over year. Part of the Valdosta, GA metropolitan area.
Full stress scores, AI analysis, and 12-month forecast: Valdosta, GA metro →
Home Value$220,602
YoY Change
+3.6%
AFFORDABILITY6.50% 30yr, 20% down, county tax + GA ins. 28% per HUD.
Enter your income for 31645 (Ray City).
$44,120 on $220,602
Affordable — 23.2% of income
Under the 28% guideline.
PITI$1,448
P/I23.2%
Afford$267K
Room+$46K
P&I $1,115Tax $165Ins $167
Home Buying Kit For Dummies (2025)Financing, negotiation, closing
Metro Analysis
31645 is part of the Valdosta, GA metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.
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