Real Estate Investing in Silver Creek, Georgia (30173)

Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.

Floyd County • Population: 6,915 • Data updated: September 2026

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Should you buy in 30173 (Silver Creek, GA)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (63/100)

Mixed — home prices are stretched relative to local incomes. Run the math on your specific situation.

📈 For Investors
MIXED
3.0 / 5 (47/100)

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
CLEAN

No major risk flags on the data we track.

• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.

What’s happening in Silver Creek, GA (30173)?

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3.0/ 5

Investability

Overall investment appeal

3.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $248,771
Avg Monthly Rent $1,170
1% Rule ✗ Does Not Meet
Median Income $47,158
% Renters 31.8%

Market Analysis: 30173 Silver Creek

This part of Floyd County is not an easy win. The 30173 ZIP sits at softness in key indicators, and the playbook that works in cleaner markets often stalls here.

For an experienced owner, 30173 can be a a credible choice for hunting ground — but the discount at $249K reflects genuine risk that outside investors often underestimate.

Within GA, ZIP 30173 trails on several market indicators that neighboring Floyd County submarkets outperform. The gap is real and solid enough to shape underwriting.

A healthy renter share of 32% in 30173 is not, on its own, a problem — but paired with below-average income and high mobility, it changes the operating playbook.

The right play in 30173 usually involves deep tenant screening, aggressive delinquency response, and a conservative capex buffer. Anything less, and the discount can turn into a trap.

Explore the Data — Click a Tab Below
🏦 Current 30-yr Fixed Mortgage Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS

Here's what matters if you're considering buying a home in Silver Creek:

C+ Average
Buy Confidence Score: 62/100
Affordability
10/25
Appreciation
22/25
Stability
9/20
Timing
6/15
Rental backup
15/15
Affordability
Expensive
Homes cost 5.3× the median income
Value Trend
Stable (+2.6%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,170/mo if you need to move
Market Conditions
WARM
Seller-favorable conditions, steady activity
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
☀️
WARM MARKET
Rome, GA Metro Area
Seller-favorable conditions, steady activity
0 days
Average time to sell
Very Fast
9.4%
Listings with price cuts
Few Cuts
0.0%
Sale price vs asking
Below Ask
0.0%
Income needed for mortgage
Affordable
📅 Market conditions as of August 29, 2026 — updated weekly from Rome, GA metro data
🏠

Property Strategy for 30173

Which property type performs best in this market?

Best for Cash Flow
3BR
4.8% cap rate
Best for Appreciation
3BR
+9.6% 5yr CAGR
Best Overall Value
5BR
$37,811/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
3BR $252,450 $1,670 4.8% +9.6% $84,150
4BR $321,449 $1,760 3.9% +9.3% $80,362
5BR $189,056 $37,811

Market Trends

Home Value History (with trend line)

$264K$227K$189K$152K$114K$77KJul 2006Jul 2016Jul 2026

📊 How Does 30173 Compare?

Metric 30173 Silver Creek Rome, GA Georgia
Home Value $248,771 $248,771 N/A $329,538
5-Year CAGR 5.9% 5.9% N/A 7.8%
Avg Rent $1,170 $1,170 N/A -
Cap Rate 3.7% 3.7% - -
💡 Why Invest in 30173? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 30173 (Silver Creek, GA). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
3.7%
Low
5yr Growth
+5.9%
Moderate

📉 Market Crash Risk Index

Based on Rome, GA metro

2/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
2/3
63%
Days Pending
0/2
0 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $248,771
Monthly Rent $1,170
Price-to-Rent 17.7:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 5.6%
Cap Rate 3.7%
5-Year IRR 9.5%

📈 Home Appreciation

1-Year +2.6% ▲
3-Year CAGR +2.6% ▲
5-Year CAGR +5.9% ▲
10-Year CAGR +7.6% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 3.7%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.7%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.

Run an IRR Analysis →

⚠️ Risk Signals

Composite view of factors that can impact a ZIP's stability and your downside risk.

Vacancy
7.2%
Low risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+5.9%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 30173

Population: 6,915

💰 Median Household Income
$47,158
This area
$47,158
State
$64,001
USA
$74,580
🏠 Renter Occupied
31.8%
This area
31.8%
State
29.9%
USA
34.0%
💼 Unemployment Rate
1.7%
This area
1.7%
State
-18.6%
USA
3.7%
🎓 College Educated
13.2%
This area
13.2%
State
-3.0%
USA
33.7%
👤 Median Age
34.7 years
This area
34.7 years
State
10.1 years
USA
38.9 years
🏚️ Vacancy Rate
7.2%
This area
7.2%
State
15.5%
USA
10.5%
👥 Population by Ethnicity
White 81.7%
Other/Mixed 9.4%
Black/African American 8.9%
Hispanic/Latino 1.5%
👶 Under 18
24.3%
This area
24.3%
USA
22.0%
👴 65 and Over
11.7%
This area
11.7%
USA
17.3%
📊 Poverty Rate
14.6%
This area
14.6%
USA
11.5%

Crime & Safety

🚧

Crime & Safety Data Coming Soon

We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.

Expected: Q1 2025

🎓 Nearby Colleges & Universities

4 Nearby 4,677 Off-Campus Students
C
Georgia Highlands College
4,955 students · 4.4 mi
C
Georgia Northwestern Technical College
6,742 students · 6.4 mi
C
Shorter University
1,447 students · 9.0 mi
C+
Berry College
2,370 students · 11.0 mi

Investor Insight: With 4,677 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

What is the typical rental rate in Silver Creek, GA?

The typical rental in Silver Creek, GA commands about $1,170/mo monthly. That rent profile consistent cash flow against the $249K purchase basis.

Does a duplex house hack pencil in Silver Creek, GA?

The a challenging house-hack environment in Silver Creek, GA reflects the rent-to-price spread. Expect meaningful PITI offset at market rents.

Should investors worry about vacancy in Silver Creek, GA?

Silver Creek, GA sees elevated vacancy, which is reasonable relative to the broader GA rental market.

How much should I expect to pay for a home in Silver Creek, GA?

Expect median prices around $249K in Silver Creek, GA. The market has run at a 0.0% 5-year CAGR, so entry costs have been reliable.

Which real estate strategy fits Silver Creek, GA?

The best-fit strategy in Silver Creek, GA is careful cash-flow rentals with hands-on management. That approach the rent and price profile of the market.

You know 30173 now. You don’t know where it ranks.

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How 30173 ranks in Rome, GA

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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