Real Estate Investing in Saint Simons Island, Georgia (31522)
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Should you buy in 31522 (Saint Simons Island, GA)? Our answer, based on the numbers below.
Proceed carefully. Weak appreciation or affordability makes this a harder case for most buyers.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
- High vacancy: 34.1% of homes vacant — above national norms.
What’s happening in Saint Simons Island, GA (31522)?
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Market Analysis: 31522 Saint Simons Island
Investors eyeing 31522 need to respect the fundamentals at play. Home values of $678K come alongside slower price movement and elevated management overhead.
For an experienced owner, 31522 can be a a strong candidate for hunting ground — but the discount at $678K reflects genuine risk that outside investors often underestimate.
The gap between 31522 and stronger Saint Simons Island ZIPs is not closing quickly. Investors should weight long-horizon assumptions accordingly.
Who lives in 31522 is part of why the ZIP is priced as it is. The demographic profile requires hands-on management, tight screening, and local knowledge.
Strategically, 31522 can be a high-return sleeve of a diversified portfolio — but it should not be the whole portfolio, and it should not be someone's first deal.
Here's what matters if you're considering buying a home in Saint Simons Island:
Property Strategy for 31522
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 1BR | $320,265 | $1,660 | 3.7% | +6.2% | $320,265 |
| 2BR | $403,558 | $1,940 | 3.5% | +7.4% | $201,779 |
| 3BR | $640,577 | $2,330 | 2.6% | +9.5% | $213,526 |
| 4BR | $1,027,707 | $2,860 | 2.0% | +11.6% | $256,927 |
| 5BR | $1,752,937 | — | — | +13.6% | $350,587 |
Market Trends
Home Value History (with trend line)
Rent History (with trend line)
📊 How Does 31522 Compare?
| Metric | 31522 | Saint Simons Island | Brunswick, GA | Georgia |
|---|---|---|---|---|
| Home Value | $677,833 | $677,833 | N/A | $329,538 |
| 5-Year CAGR | 6.4% | 6.4% | N/A | 7.8% |
| Avg Rent | $2,971 | $2,971 | N/A | - |
| Cap Rate | 3.4% | 3.4% | - | - |
Similar ZIPs Within 25 Miles
Compare other nearby markets to see if a neighbor offers a better fit.
Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 31522 (Saint Simons Island, GA). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $677,833 |
| Monthly Rent | $2,971 |
| Price-to-Rent | 19.0:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 5.3% |
| Cap Rate | 3.4% |
| 5-Year IRR | 9.9% |
📈 Home Appreciation
| 1-Year | -1.3% ▼ |
| 3-Year CAGR | +2.4% ▲ |
| 5-Year CAGR | +6.4% ▲ |
| 10-Year CAGR | +6.8% ▲ |
🏠 Rent Trends
| 1-Year | +0.3% ▲ |
| 3-Year CAGR | N/A |
| 5-Year CAGR | N/A |
The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.4%). 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.
Demographics in 31522
Population: 17,603
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
🎓 Schools in 31522
Schools in This ZIP Code
About Repit School Scores
Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.
We evaluate schools based on factors that research shows actually impact educational outcomes:
- Class Size — Smaller classes mean more individual attention
- School Funding — Resources available for programs, staff, and facilities
- Community Factors — Neighborhood characteristics that influence student success
- School Environment — Size, type, and structure
Scores are updated annually using federal education data.
🎓 Nearby Colleges & Universities
Frequently Asked Questions
How viable is house hacking in Saint Simons Island, GA?
For house hackers, Saint Simons Island, GA is a challenging. The $2,971/mo rent on a unit helps defray the mortgage on a $678K property.
Should investors consider Saint Simons Island, GA?
Saint Simons Island, GA rates 3.0/5 for investability. With median values at $678K and rents near $2,971/mo, the market offers reasonable fundamentals for rental investors.
What is the average home sale price in Saint Simons Island, GA?
Homes in Saint Simons Island, GA typically sell near $678K. Prices have moved at a 0.0% 5-year CAGR, which even-keeled long-term demand.
Is rental property easy to operate in Saint Simons Island, GA?
Saint Simons Island, GA operates under GA law, which is landlord-friendly overall for landlords. Expect even-keeled treatment in typical lease and eviction cases.
What do rentals go for in Saint Simons Island, GA?
The typical rental in Saint Simons Island, GA commands about $2,971/mo monthly. That rent profile stable cash flow against the $678K purchase basis.
You know 31522 now. You don’t know where it ranks.
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How 31522 ranks in Brunswick, GA
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