Real Estate Investing in Bluffton, Georgia (39824)

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

Clay County • Population: 667 • Data updated: September 2026

☆ Watch this market Free account

Should you buy in 39824 (Bluffton, GA)? Our answer, based on the numbers below.

🏠 For Homebuyers
WEAK FIT
Grade F (39/100)

Multiple negative signals. Better options likely exist nearby.

📈 For Investors
WEAK
2.0 / 5 (33/100)

Structural challenges here. The numbers may look cheap but operational risk is high. Only for experienced, hands-on investors.

⚠️ Risks to Know
1 flag
  • High vacancy: 21.9% of homes vacant — above national norms.

• Limited market data — this is a very small market; averages are built from few observations and can swing widely. • Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.

What’s happening in Bluffton, GA (39824)?

Click any question — our AI will research it live from the web and show you sources.

✨ Live AI + Web Search
Want to ask your own questions? Upgrade to Pro for unlimited custom queries.
2.0/ 5

Investability

Overall investment appeal

0.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $182,541
Avg Monthly Rent $900
1% Rule ✗ Does Not Meet
Median Income $45,043
% Renters 15.7%

Market Analysis: 39824 Bluffton

The 39824 ZIP covers a section of Bluffton that demands careful diligence. Prices near $183K look accessible, but the work to make a deal cash flow is real.

If the plan assumes clean turnover, on-time rent, and low maintenance on a $183K asset, 39824 is the wrong submarket. If the plan prices in friction, the yield can still work.

Nearby ZIPs in Bluffton have seen price recovery that 39824 has not matched. Clay County data supports the view that the spread is structural rather than temporary.

Demographically, 39824 is a market where tenant selection matters more than unit finishes. Operators who understand that tend to do fine; those who do not tend to learn why the ZIP trades at a discount.

Strategically, 39824 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 Bluffton:

B Good
Buy Confidence Score: 70/100
Affordability
15/25
Appreciation
25/25
Stability
7/20
Timing
8/15
Rental backup
15/15
Affordability
Moderate
Homes cost 4.1× the median income
Value Trend
Rising (+22.1%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $900/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.

Market Trends

Home Value History (with trend line)

$185K$177K$169K$161K$152K$144KFeb 2022May 2024Jul 2026

📊 How Does 39824 Compare?

Metric 39824 Bluffton Georgia
Home Value $182,541 $182,541 $329,538
5-Year CAGR N/A N/A 7.8%
Avg Rent $900 $900 -
Cap Rate 3.9% 3.9% -
A great house in the wrong ZIP is still a bad deal — screen every market by cash flow & cap rate.
Open the Market Finder →
Free to search · investor plans from $19/mo

Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 39824 (Bluffton, GA). Anonymous, moderated, never written by AI.

Do you own or manage rentals in ZIP 39824 (Bluffton, GA)?

~25 seconds · no account needed · your report is anonymous

Investability
Fair
Cap Rate
3.9%
Low

📊 Market Snapshot

Home Value $182,541
Monthly Rent $900
Price-to-Rent 16.9:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 5.9%
Cap Rate 3.9%
5-Year IRR 9.6%

📈 Home Appreciation

1-Year +22.1% ▲
3-Year CAGR +5.7% ▲
5-Year CAGR N/A
10-Year CAGR N/A

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 3.9%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.9%). 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
21.9%
Elevated risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
N/A
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 39824

Population: 667

💰 Median Household Income
$45,043
This area
$45,043
State
$64,001
USA
$74,580
🏠 Renter Occupied
15.7%
This area
15.7%
State
29.9%
USA
34.0%
💼 Unemployment Rate
0.0%
This area
0.0%
State
-18.6%
USA
3.7%
🎓 College Educated
26.7%
This area
26.7%
State
-3.0%
USA
33.7%
👤 Median Age
37.6 years
This area
37.6 years
State
10.1 years
USA
38.9 years
🏚️ Vacancy Rate
21.9%
This area
21.9%
State
15.5%
USA
10.5%
👥 Population by Ethnicity
White 69.4%
Black/African American 30.4%
Other/Mixed 0.2%
👶 Under 18
34.0%
This area
34.0%
USA
22.0%
👴 65 and Over
19.0%
This area
19.0%
USA
17.3%
📊 Poverty Rate
0.0%
This area
0.0%
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

Frequently Asked Questions

Is Bluffton in GA worth investing in?

Investors tracking Bluffton, GA will find a 2.0/5 rating supported by $183K median home values and $900/mo rents. That profile suits long-term holders targeting predictable returns.

Is it easy to find good tenants in Bluffton, GA?

The renter base in Bluffton, GA is reasonable for the $900/mo price point. Screening well and pricing to market typically yields consistent tenants.

What is the best play in Bluffton, GA?

Bluffton, GA investors pursuing careful cash-flow rentals with hands-on management. The underlying economics ($183K prices, $900/mo rents) make it a reasonable choice.

Is house hacking profitable in Bluffton, GA?

House hacking works a challenging in Bluffton, GA. Rents of $900/mo against $183K acquisition make the strategy solid for owner-occupants.

What do landlords charge for rent in Bluffton, GA?

Rent in Bluffton, GA is around $900/mo. The resulting rent-to-value relationship with $183K pricing is reasonable for most investor models.

You know 39824 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 39824 compares to every other market. Investor ($19/mo) screens every U.S. ZIP by cap rate, the 1% rule, vacancy and landlord climate, and exports your shortlist.

Compare Plans
🤖

AI Market Advisor

Ask questions about investing in 39824 (Bluffton)

Loading...

Community Ratings

What people who’ve spent time here actually say. Not paid reviews.

Be the first to rate 39824 (Bluffton, GA).

It takes 30 seconds. No signup. Your rating helps everyone who comes here after you.