Ray City, GA (31645) housing scorecard.
As of 2026-09-24, the typical home in Ray City, GA (31645) is worth $224,215, up about 7.1% a year over five years; the Momentum Market Score is 52/100 (neither side has a clear edge right now). Data from Zillow, Realtor.com and the U.S. Census; score by Momentum Realty.
Home value, rent, cap rate, 5-year growth, price versus incomes and our 0 to 100 Momentum Market Score for ZIP 31645, free.
The typical home runs about 3.14 times the local median income, which is roughly 20.4% cheaper than the Georgia norm. Values are up roughly 7.1% a year over the last five years. Owning the typical home at today's 6.95% 30-year rate takes about 19.9% of a median income in principal and interest, the affordability squeeze in one number. About 22.2% of listings have cut their price.
Typical home value, last 13 months
What drives the score
Each bar ranks this ZIP against every other Georgia ZIP (0 = lowest, 100 = highest) on that input, then weighted into the score. Full methodology.
Common questions
Is Ray City, GA (31645) a buyer's or seller's market?
By the Momentum Market Score, Ray City, GA (31645) reads balanced (52 out of 100), meaning it is neither side has a clear edge right now. The score blends value versus incomes, price cuts, inventory growth, affordability and rent yield.
What is the typical home value in Ray City?
About $224,215 (Zillow Home Value Index, 2026-09-24), up roughly 7.1% a year over five years.
Where does this data come from?
Zillow Research (home value, rent), Realtor.com (days on market, listings), U.S. Census (income, population), Freddie Mac via FRED (rate). Score and derived metrics by Momentum Realty, methodology here.
Data: Zillow Research, Realtor.com, U.S. Census Bureau ACS, and Freddie Mac 30-Year Fixed Rate Mortgage Average [MORTGAGE30US] via FRED. Score by Momentum Realty.
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