Real Estate Investing in Cataula, Georgia (31804)

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

Harris County • Population: 5,814 • Data updated: September 2026

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Should you buy in 31804 (Cataula, GA)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (62/100)

Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.

📈 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
2 flags
  • Elevated vacancy: 8.3% vacancy may signal weakening demand.
  • High price-to-rent: Price-to-rent ratio 33.1 — hard to cash-flow at these prices.

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

What’s happening in Cataula, GA (31804)?

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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 $382,662
Avg Monthly Rent $963
1% Rule ✗ Does Not Meet
Median Income $97,361
% Renters 7.0%

Market Analysis: 31804 Cataula

The 31804 ZIP in Cataula, GA is a local-operator market. Outside capital chasing a $383K entry has to pair deep knowledge with the discount.

If the plan assumes clean turnover, on-time rent, and low maintenance on a $383K asset, 31804 is the wrong submarket. If the plan prices in friction, the yield can still work.

Within GA, ZIP 31804 trails on several market indicators that neighboring Harris County submarkets outperform. The gap is real and healthy enough to shape underwriting.

On balance, 5,814 residents fill the ZIP, renter turnover runs higher than neighboring postal codes and delinquency risk is a real line item rather than a theoretical one.

Strategy in 31804 is an operator game, not a passive one. On the rental side, entry prices of $383K are inviting, the management lift is real and non-optional.

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 Cataula:

C+ Average
Buy Confidence Score: 69/100
Affordability
15/25
Appreciation
22/25
Stability
9/20
Timing
8/15
Rental backup
15/15
Affordability
Moderate
Homes cost 3.9× the median income
Value Trend
Rising (+4.2%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $963/mo if you need to move
Market Conditions
BALANCED
Even conditions for buyers and sellers
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
⚖️
BALANCED MARKET
Columbus, GA-AL Metro Area
Even conditions for buyers and sellers
39 days
Average time to sell
Average
8.5%
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 Columbus, GA-AL metro data
🏠

Property Strategy for 31804

Which property type performs best in this market?

Best for Cash Flow
2BR
5.1% cap rate
Best for Appreciation
2BR
+8.2% 5yr CAGR
Best Overall Value
2BR
$75,549/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $151,098 $1,070 5.1% +8.2% $75,549
3BR $292,478 $1,420 3.5% +7.5% $97,493
4BR $439,087 $1,680 2.8% +6.7% $109,772
5BR $519,855 +5.2% $103,971

Market Trends

Home Value History (with trend line)

$397K$356K$315K$273K$232K$191KJan 2009Oct 2017Jul 2026

📊 How Does 31804 Compare?

Metric 31804 Cataula Columbus, GA-AL Georgia
Home Value $382,662 $382,662 N/A $329,538
5-Year CAGR 5.4% 5.4% N/A 7.8%
Avg Rent $963 $963 N/A -
Cap Rate 2.0% 2.0% - -
💡 Why Invest in 31804? Click to expand

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

📊 See where this ZIP ranks in our Best-of lists →
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 31804 (Cataula, GA). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
2.0%
Low
5yr Growth
+5.4%
Moderate

📊 Market Snapshot

Home Value $382,662
Monthly Rent $963
Price-to-Rent 33.1:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 3.0%
Cap Rate 2.0%
5-Year IRR 7.4%

📈 Home Appreciation

1-Year +4.2% ▲
3-Year CAGR +3.6% ▲
5-Year CAGR +5.4% ▲
10-Year CAGR +5.9% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 2.0%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.0%). 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
8.3%
Moderate risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+5.4%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 31804

Population: 5,814

💰 Median Household Income
$97,361
This area
$97,361
State
$64,001
USA
$74,580
🏠 Renter Occupied
7.0%
This area
7.0%
State
29.9%
USA
34.0%
💼 Unemployment Rate
1.7%
This area
1.7%
State
-18.6%
USA
3.7%
🎓 College Educated
26.9%
This area
26.9%
State
-3.0%
USA
33.7%
👤 Median Age
44.0 years
This area
44.0 years
State
10.1 years
USA
38.9 years
🏚️ Vacancy Rate
8.3%
This area
8.3%
State
15.5%
USA
10.5%
👥 Population by Ethnicity
White 78.2%
Black/African American 11.0%
Other/Mixed 10.8%
Hispanic/Latino 9.3%
👶 Under 18
19.9%
This area
19.9%
USA
22.0%
👴 65 and Over
19.4%
This area
19.4%
USA
17.3%
📊 Poverty Rate
2.6%
This area
2.6%
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

🎓 Schools in 31804

B+ Avg School Grade
2 Schools
15.6:1 Avg Class Size
$14,267 Avg Per Pupil

Schools in This ZIP Code

B+ Above Average

Mulberry Creek Elementary School

📚 Pre-K – 04 Elementary
👥
547 Students
👨‍🏫
15.5:1 Class Size
💰
$14,267 Per Student
B+ Above Average

Creekside School

📚 05 – 06 School
👥
807 Students
👨‍🏫
15.7:1 Class Size
💰
$14,267 Per Student
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

4 Nearby 2,247 Off-Campus Students
D
Rivertown School of Beauty Barber Skin Care and Nails
124 students · 10.8 mi
C+
Columbus State University
7,610 students · 11.6 mi
C
Columbus Technical College
3,153 students · 12.0 mi
D
Miller-Motte College-Columbus
270 students · 12.9 mi

Investor Insight: With 2,247 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

Is Cataula, GA a smart market for rental property?

The 3.0/5 investability rating in Cataula, GA reflects its $383K prices and $963/mo rents. Investors generally consider it a solid option within GA.

How viable is house hacking in Cataula, GA?

The house hack math a challenging in Cataula, GA. Owner-occupant buyers benefit from the $963/mo rents and $383K home values.

How much do tenants pay in Cataula, GA?

Rent in Cataula, GA is around $963/mo. The resulting rent-to-value relationship with $383K pricing is reasonable for most investor models.

What is the typical home price in Cataula, GA?

Homes in Cataula, GA typically sell near $383K. Prices have moved at a 0.0% 5-year CAGR, which consistent long-term demand.

What are vacancy rates like in Cataula, GA?

Vacancy in Cataula, GA is elevated, which keeps landlord downtime on reasonable timelines. Most properties lease within the standard window at $963/mo.

You know 31804 now. You don’t know where it ranks.

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How 31804 ranks in Columbus, GA-AL

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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