Real Estate Investing in Americus, Georgia (31764)

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

Sumter County • Population: 1,882 • Data updated: September 2026

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Should you buy in 31764 (Americus, GA)? Our answer, based on the numbers below.

🏠 For Homebuyers
GOOD FIT
Grade B (75/100)

Solid choice — values are growing steadily and the market is stable enough to buy with confidence.

📈 For Investors
MIXED
3.0 / 5 (52/100)

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

⚠️ Risks to Know
1 flag
  • High vacancy: 14.7% of homes vacant — above national norms.

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

What’s happening in Americus, GA (31764)?

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3.0/ 5

Investability

Overall investment appeal

3.0/ 5

Appreciation

Long-term value growth

4.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $136,229
Avg Monthly Rent $1,017
1% Rule ✗ Does Not Meet
Median Income $81,468
% Renters 7.2%

Market Analysis: 31764 Americus

ZIP 31764 inside Sumter County looks affordable on the surface — median value of $136K — but the discount exists for reasons that a careful buyer should understand before committing.

If the plan assumes clean turnover, on-time rent, and low maintenance on a $136K asset, 31764 is the wrong submarket. If the plan prices in friction, the yield can still work.

Within GA, ZIP 31764 trails on several market indicators that neighboring Sumter County submarkets outperform. The gap is real and healthy enough to shape underwriting.

The demographic picture in 31764 includes headwinds that any investor should price in. Income distribution skews lower than Americus averages, and tenant stability requires active management.

Strategically, 31764 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.

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 Americus:

B Good
Buy Confidence Score: 75/100
Affordability
25/25
Appreciation
22/25
Stability
7/20
Timing
6/15
Rental backup
15/15
Affordability
Affordable
Homes cost 1.7× the median income
Value Trend
Rising (+13.3%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,017/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
Americus, GA Metro Area
Seller-favorable conditions, steady activity
0 days
Average time to sell
Very Fast
6.4%
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 Americus, GA metro data

Market Trends

Home Value History (with trend line)

$142K$126K$110K$95K$79K$63KJul 2006Jul 2016Jul 2026

📊 How Does 31764 Compare?

Metric 31764 Americus Americus, GA Georgia
Home Value $136,229 $130,660 N/A $329,538
5-Year CAGR 5.7% 6.0% N/A 7.8%
Avg Rent $1,017 $966 N/A -
Cap Rate 5.8% 5.8% - -
💡 Why Invest in 31764? 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 31764 (Americus, GA). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
5.8%
Fair
5yr Growth
+5.7%
Moderate

📉 Market Crash Risk Index

Based on Americus, GA metro

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

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $136,229
Monthly Rent $1,017
Price-to-Rent 11.2:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 9.0%
Cap Rate 5.8%
5-Year IRR 11.5%

📈 Home Appreciation

1-Year +13.3% ▲
3-Year CAGR +5.8% ▲
5-Year CAGR +5.7% ▲
10-Year CAGR +6.5% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 5.8%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (5.8%). 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
14.7%
Moderate risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+5.7%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 31764

Population: 1,882

💰 Median Household Income
$81,468
This area
$81,468
State
$64,001
USA
$74,580
🏠 Renter Occupied
7.2%
This area
7.2%
State
29.9%
USA
34.0%
💼 Unemployment Rate
0.6%
This area
0.6%
State
-18.6%
USA
3.7%
🎓 College Educated
15.5%
This area
15.5%
State
-3.0%
USA
33.7%
👤 Median Age
54.0 years
This area
54.0 years
State
10.1 years
USA
38.9 years
🏚️ Vacancy Rate
14.7%
This area
14.7%
State
15.5%
USA
10.5%
👥 Population by Ethnicity
Black/African American 55.8%
White 44.1%
Asian 0.1%
👶 Under 18
11.7%
This area
11.7%
USA
22.0%
👴 65 and Over
22.2%
This area
22.2%
USA
17.3%
📊 Poverty Rate
9.4%
This area
9.4%
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

2 Nearby 1,038 Off-Campus Students
C
Georgia Southwestern State University
3,408 students · 9.6 mi
C+
South Georgia Technical College
1,725 students · 11.5 mi

Investor Insight: With 1,038 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

Should investors worry about vacancy in Americus, GA?

Rental vacancy in Americus, GA is elevated. Investors should budget normal turnover but not chronic empty units.

Is housing expensive in Americus, GA?

Homes in Americus, GA typically sell near $136K. Prices have moved at a 0.0% 5-year CAGR, which steady long-term demand.

What are rental rates like in Americus, GA?

Rent in Americus, GA is around $1,017/mo. The resulting rent-to-value relationship with $136K pricing is reasonable for most investor models.

What kind of tenants rent in Americus, GA?

The tenant pool in Americus, GA is solid, supported by local employment and population fundamentals. Rents of $1,017/mo are well-absorbed by the market.

What approach is best for Americus, GA real estate?

In Americus, GA the sturdy play is typically careful cash-flow rentals with hands-on management. The combination of $136K prices and $1,017/mo rents suits that approach.

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How 31764 ranks in Americus, GA

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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