Estimated median household income in 2007: $44,962
| This zip code: | $44,962 | | Georgia: | $49,136 |
Nearest zip codes: 31091, 31069, 31070, 31047, 31007, 31057.
Housing units in zip code 31025 with a mortgage: 89 (9 second mortgage, 6 home equity loan, 0 both second mortgage and home equity loan)
Houses without a mortgage: 93
Median monthly owner costs for units with a mortgage: $986
Median monthly owner costs for units without a mortgage: $272
Residents with income below the poverty level in 2007:
| This zip code: | 8.1% | | Whole state: | 14.3% |
Residents with income below 50% of the poverty level in 2007:
| This zip code: | 1.1% | | Whole state: | 6.4% |
Median number of rooms in houses and condos:
| Here: | 5.8 | | State: | 6.2 |
Median number of rooms in apartments:
| Here: | 4.4 | | State: | 4.2 |
Year house built: |
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- 1999 to March 2000: 45
- 1995 to 1998: 88
- 1990 to 1994: 39
- 1980 to 1989: 113
- 1970 to 1979: 59
- 1960 to 1969: 68
- 1950 to 1959: 4
- 1940 to 1949: 45
- 1939 or earlier: 37
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Bedrooms in owner-occupied houses in Elko, GA (31025): |
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- no bedroom: 9
- 1 bedrooms: 7
- 2 bedrooms: 78
- 3 bedrooms: 246
- 4 bedrooms: 38
- 5 or more bedrooms: 41
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Bedrooms in renter-occupied apartments and housing units: |
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- no bedroom: 0
- 1 bedrooms: 6
- 2 bedrooms: 16
- 3 bedrooms: 23
- 4 bedrooms: 4
- 5 or more bedrooms: 0
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Vehicles available in 31025 zip code in owner-occupied houses/condos: |
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- no vehicle: 25
- 1 vehicle: 69
- 2 vehicles: 189
- 3 vehicles: 82
- 4 vehicles: 25
- 5 or more vehicles: 29
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Vehicles available in renter-occupied apartments: |
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- no vehicle: 10
- 1 vehicle: 29
- 2 vehicles: 10
- 3 vehicles: 0
- 4 vehicles: 0
- 5 or more vehicles: 0
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Estimated household income distribution in 2007:

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Estimate of home value of owner-occupied houses/condos in 2007 in zip code 31025:
- Less than $10,000: 13
- $10,000 to $14,999: 6
- $15,000 to $19,999: 13
- $20,000 to $24,999: 14
- $25,000 to $29,999: 4
- $30,000 to $34,999: 9
- $35,000 to $39,999: 15
- $40,000 to $49,999: 44
- $50,000 to $59,999: 26
- $60,000 to $69,999: 13
- $70,000 to $79,999: 6
- $80,000 to $89,999: 31
- $90,000 to $99,999: 37
- $100,000 to $124,999: 80
- $125,000 to $149,999: 24
- $150,000 to $174,999: 34
- $175,000 to $199,999: 46
- $200,000 to $249,999: 18
- $250,000 to $299,999: 13
- $300,000 to $399,999: 7
- $400,000 to $499,999: 24
- $500,000 to $749,999: 10
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Rent paid by renters in 2007 in zip code 31025:
- $100 to $149: 3
- $200 to $249: 6
- $450 to $499: 10
- No cash rent: 25
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Median price asked for vacant for-sale houses and condos in 2007: $0.
Estimated median house (or condo) value in 2007 for: - White Non-Hispanic householders: $165,971
- Black or African American householders: $82,904
Estimated median house or condo value in 2007: $112,576 (it was $63,000 in 2000)
| 31025: | $112,576 | | Georgia: | $164,500 |
Lower value quartile - upper value quartile: $0 - $0
Mean price in 2007:
Detached houses: $169,223| Here: | $169,223 | | State: | $234,442 |
Townhouses or other attached units: $92,742| Here: | $92,742 | | State: | $202,354 |
Mobile homes: $51,982| Here: | $51,982 | | State: | $44,353 |
Owners and renters by unit type in %
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Breakdown of mean house values by ages of householders
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Housing units in structures:
- One, detached: 277
- One, attached: 7
- Mobile homes: 214

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Means of transportation to work
- Drove a car alone: 543 (86%)
- Carpooled: 66 (10%)
- Walked: 15 (2%)
- Worked at home: 11 (2%)
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Travel time to work
- Less than 5 minutes: 28
- 5 to 9 minutes: 27
- 10 to 14 minutes: 86
- 15 to 19 minutes: 132
- 20 to 24 minutes: 135
- 25 to 29 minutes: 35
- 30 to 34 minutes: 58
- 35 to 39 minutes: 24
- 40 to 44 minutes: 40
- 45 to 59 minutes: 37
- 60 to 89 minutes: 22
- 90 or more minutes: 0
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Percentage of zip code residents living and working in this county: 66.1%
Household type by relationship
Households: 1,353
- In family households: 1,257 (271 male householders, 104 female householders)
291 spouses, 468 children (433 natural, 10 adopted, 25 stepchildren), 94 grandchildren, 0 brothers or sisters, 0 parents, 7 other relatives, 22 non-relatives
- In nonfamily households: 96 (52 male householders (45 living alone)), 38 female householders (38 living alone)), 6 nonrelatives
Size of family households: 131 2-persons, 70 3-persons, 105 4-persons, 29 5-persons, 40 6-persons.
Size of nonfamily households: 83 1-person, 7 2-persons.
267 married couples with children.
61 single-parent households (18 men, 43 women).
97.5% of residents of 31025 zip code speak English at home.
0.5% of residents speak Spanish at home (100% not well).
2.0% of residents speak other Indo-European language at home (60% very well, 40% well).
Foreign born population: 25 (1.9%)
(0.0% of them are naturalized citizens)
| This zip code: | 1.9% | | Whole state: | 7.1% |
Most common places of birth for the foreign-born residents:
- Germany (60%)
- Haiti (40%)
Year of entry for the foreign-born population |
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- 1995 to March 2000: 0
- 1990 to 1994: 0
- 1985 to 1989: 0
- 1980 to 1984: 25
- 1975 to 1979: 0
- 1970 to 1974: 0
- 1970 to 1974: 0
- 1965 to 1969: 0
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White population: 867
Black population: 423
American Indian population: 1
Asian population: 8
Native Hawaiian and Other Pacific Islander population: 0
Some other race population: 9
Two or more races population: 6

First ancestries reported:
|  Other groups: 395 |
|  United States or American: 267 |
|  Irish: 106 |
|  German: 87 |
|  English: 59 |
|  French (except Basque): 46 |
|  Norwegian: 14 |
|  Scotch-Irish: 13 |
|  West Indian (excluding Hispanic groups):: 10 |
|  Haitian: 10 |

Median worth of mobile homes: $70,818
Housing units lacking complete plumbing facilities: 2%
Housing units lacking complete kitchen facilities: 2%
Most commonly used house heating fuel: |
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- Electricity (53%)
- Bottled, tank, or LP gas (43%)
- Wood (2%)
- Utility gas (1%)
- Fuel oil, kerosene, etc. (1%)
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Place of birth for U.S.-born residents:
- This state: 1116
- Northeast: 47
- Midwest: 41
- South: 124
- West: 0
81% of the 31025 zip code residents lived in the same house 5 years ago.
Out of people who lived in different houses, 60% lived in this county.
Out of people who lived in different counties, 100% lived in Georgia.
Population in 1990: 934. Population change in the 1990s: +380 (+40.7%).
Year Householders Moved Into Unit:
Private vs. public school enrollment:
Students in private schools in grades 1 to 8 (elementary and middle school): 23
| Here: | 13.5% | | Georgia: | 8.4% |
Students in private schools in grades 9 to 12 (high school): 10
| Here: | 8.9% | | Georgia: | 8.5% |
Students in private undergraduate colleges: 0
| Here: | 0.0% | | Georgia: | 22.9% |
School Enrollment by Level of School
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Top industries in this zip code by the number of employees in 2005:
- Administrative and Support and Waste Management and Remediation Services: Janitorial Services (10-19 employees: 1 establishment)
- Professional, Scientific, and Technical Services: Veterinary Services (5-9: 1)
- Other Services (except Public Administration): Religious Organizations (5-9: 1)
- Other Services (except Public Administration): Consumer Electronics Repair and Maintenance (1-4: 1)
- Construction: Finish Carpentry Contractors (1-4: 1)
- Real Estate and Rental and Leasing: Offices of Real Estate Agents and Brokers (1-4: 1)
- Accommodation and Food Services: RV (Recreational Vehicle) Parks and Campgrounds (1-4: 1)
Age and Sex of Sensory-Disabled Residents (Noninstitutionalized)
Age and Sex of Physically-Disabled Residents (Noninstitutionalized)
Age and Sex of Mentally-Disabled Residents (Noninstitutionalized)
Age and Sex of Self-Care Disabled Residents (Noninstitutionalized)
Age and Sex of Go-Outside-Home Disabled Residents (Noninstitutionalized)
Age and Sex of Residents with Employment Disability (Noninst.)
Home Mortgage Disclosure Act Aggregated Statistics For Year 2007 (Based on 2 partial tracts)
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| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) | G) Loans On Manufactured Home Dwelling (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 9 | $139,554 | 40 | $121,568 | 71 | $132,356 | 14 | $55,465 | 24 | $132,040 | 23 | $65,493 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 1 | $159,830 | 3 | $45,497 | 8 | $132,776 | 1 | $77,790 | 0 | $0 | 4 | $74,080 |
| APPLICATIONS DENIED | 1 | $89,110 | 9 | $119,438 | 29 | $136,148 | 9 | $49,661 | 2 | $99,010 | 16 | $67,184 |
| APPLICATIONS WITHDRAWN | 1 | $205,800 | 10 | $121,285 | 12 | $140,379 | 2 | $119,165 | 2 | $66,125 | 3 | $78,263 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 4 | $161,773 | 0 | $0 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2006 (Based on 2 partial tracts)
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| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) | G) Loans On Manufactured Home Dwelling (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 9 | $137,040 | 30 | $105,373 | 54 | $134,892 | 6 | $17,798 | 11 | $114,052 | 20 | $69,836 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 4 | $113,683 | 4 | $90,875 | 1 | $4,240 | 1 | $124,470 | 2 | $64,710 |
| APPLICATIONS DENIED | 1 | $47,380 | 16 | $117,484 | 36 | $118,770 | 6 | $33,003 | 4 | $79,208 | 14 | $72,286 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 4 | $160,710 | 20 | $84,829 | 1 | $35,360 | 3 | $79,913 | 4 | $70,013 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 1 | $127,300 | 8 | $133,484 | 0 | $0 | 0 | $0 | 1 | $135,080 |
Aggregated Statistics For Year 2005 (Based on 2 partial tracts)
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| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) | G) Loans On Manufactured Home Dwelling (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 10 | $115,627 | 37 | $104,627 | 66 | $105,148 | 5 | $19,802 | 19 | $69,864 | 18 | $62,941 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 4 | $79,913 | 10 | $90,309 | 2 | $42,785 | 0 | $0 | 4 | $57,813 |
| APPLICATIONS DENIED | 1 | $281,470 | 9 | $114,644 | 35 | $85,248 | 9 | $35,831 | 2 | $162,300 | 18 | $67,459 |
| APPLICATIONS WITHDRAWN | 2 | $128,710 | 4 | $107,140 | 21 | $109,347 | 2 | $182,810 | 0 | $0 | 4 | $88,578 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 1 | $152,760 | 5 | $127,862 | 1 | $12,730 | 0 | $0 | 1 | $63,650 |
Aggregated Statistics For Year 2004 (Based on 2 partial tracts)
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| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) | G) Loans On Manufactured Home Dwelling (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 8 | $107,936 | 30 | $86,679 | 46 | $107,295 | 4 | $20,333 | 8 | $67,626 | 16 | $66,168 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 5 | $161,384 | 11 | $76,635 | 1 | $41,020 | 1 | $28,290 | 4 | $64,885 |
| APPLICATIONS DENIED | 2 | $71,780 | 6 | $73,785 | 34 | $111,030 | 8 | $61,526 | 2 | $4,245 | 11 | $64,741 |
| APPLICATIONS WITHDRAWN | 1 | $65,770 | 5 | $96,462 | 21 | $98,705 | 2 | $54,100 | 1 | $80,620 | 4 | $76,730 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 7 | $145,886 | 0 | $0 | 0 | $0 | 1 | $53,040 |
Aggregated Statistics For Year 2003 (Based on 2 partial tracts)
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| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 11 | $124,532 | 20 | $92,148 | 112 | $106,383 | 6 | $13,908 | 8 | $78,941 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 5 | $81,046 | 12 | $72,665 | 0 | $0 | 0 | $0 |
| APPLICATIONS DENIED | 1 | $92,640 | 9 | $80,307 | 35 | $79,792 | 5 | $50,070 | 5 | $63,082 |
| APPLICATIONS WITHDRAWN | 2 | $105,725 | 3 | $74,963 | 23 | $101,652 | 1 | $79,910 | 1 | $24,040 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 1 | $68,600 | 6 | $144,033 | 1 | $24,750 | 0 | $0 |
Aggregated Statistics For Year 1999 (Based on 2 partial tracts)
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| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 4 | $85,458 | 17 | $83,398 | 24 | $59,838 | 5 | $11,822 | 2 | $22,870 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 5 | $67,688 | 7 | $63,779 | 1 | $7,220 | 1 | $36,380 |
| APPLICATIONS DENIED | 1 | $56,920 | 31 | $56,166 | 14 | $55,490 | 4 | $19,295 | 2 | $57,960 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 3 | $58,923 | 8 | $62,703 | 1 | $23,970 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 3 | $59,207 | 0 | $0 | 0 | $0 |
Detailed HMDA statistics for the following Tracts:
0215.00
Private Mortgage Insurance Companies Aggregated Statistics For Year 2007 (Based on 2 partial tracts)
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| A) Conventional Home Purchase Loans | B) Refinancings
| C) Non-occupant Loans on < 5 Family Dwellings (A & B) | D) Loans On Manufactured Home Dwelling (A & B) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 11 | $126,203 | 6 | $226,187 | 1 | $220,650 | 1 | $49,500 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 2 | $150,280 | 1 | $152,760 | 0 | $0 | 0 | $0 |
| APPLICATIONS DENIED | 2 | $160,180 | 1 | $55,160 | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 1 | $318,950 | 0 | $0 | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2006 (Based on 2 partial tracts)
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| B) Refinancings
| D) Loans On Manufactured Home Dwelling (A & B) |
| Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 6 | $174,443 | 1 | $71,430 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 1 | $244,690 | 0 | $0 |
| APPLICATIONS DENIED | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2005 (Based on 2 partial tracts)
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| A) Conventional Home Purchase Loans | B) Refinancings
| D) Loans On Manufactured Home Dwelling (A & B) |
| Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 4 | $81,858 | 4 | $97,948 | 1 | $44,550 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 1 | $149,930 | 1 | $169,020 | 0 | $0 |
| APPLICATIONS DENIED | 0 | $0 | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 1 | $86,280 | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2004 (Based on 2 partial tracts)
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| A) Conventional Home Purchase Loans | B) Refinancings
| D) Loans On Manufactured Home Dwelling (A & B) |
| Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 1 | $284,290 | 5 | $95,896 | 1 | $54,450 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 2 | $105,725 | 1 | $54,450 |
| APPLICATIONS DENIED | 0 | $0 | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 1 | $60,820 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2003 (Based on 2 partial tracts)
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| A) Conventional Home Purchase Loans | B) Refinancings
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| Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 4 | $80,445 | 16 | $126,810 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 1 | $258,130 | 5 | $99,998 |
| APPLICATIONS DENIED | 1 | $89,810 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 1 | $143,560 |
Aggregated Statistics For Year 1999 (Based on 2 partial tracts)
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| A) Conventional Home Purchase Loans | B) Refinancings
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| Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 3 | $146,167 | 4 | $107,440 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 1 | $113,110 |
| APPLICATIONS DENIED | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 |
Detailed PMIC statistics for the following Tracts:
0215.00
Conventional Home Purchase Loans
Conventional Home Purchase Loans - Value
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