Median home value in zip code 31645 (Ray City, GA) is $220,602, up 3.6% year over year. Part of the Valdosta, GA metropolitan area.

Home Value$220,602

YoY Change

+3.6%

Prices rising — worse for buyers.

Affordability

Enter your income for 31645 (Ray City).

Income (annual)

Down Payment

$44,120 on $220,602

Example: $75,000 household income. Change it above to see your own.

Affordable23.2% of income

Under the 28% guideline.

PITI$1,448

P/I23.2%

Afford$267K

Room+$46K

P&I $1,115Tax $165Ins $167

6.50% 30yr, 20% down, county tax + GA ins. 28% per HUD.

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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