ZIP Code 39842 — Albany, GA Home Prices (2026)
The typical home in ZIP 39842 (Albany, Georgia) is worth about $118,000 at roughly $86 per square foot — about the same as the Albany median and 60% more affordable than the typical U.S. home.
How 39842 compares
ZIP 39842 is a mid-priced ZIP code for Albany: its typical home value of $118,000 ranks #3 of the 5 Albany ZIP codes we track (the citywide range runs from $79,000 in 31701 to $241,000 in 31721). Per square foot it costs about $86, against $91 for Albany as a whole, $175 for Georgia, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 39842 | $118,000 | $86 |
| Albany, GA | $118,000 | $91 |
| Georgia | $260,000 | $175 |
| United States | $294,000 | $195 |
Home value by size in 39842
Using this ZIP’s rate of about $86 per square foot. Condition, lot, and the exact street move these meaningfully — use the estimator below for a home-specific figure.
| Home size | Estimated value |
|---|---|
| 1,000 sq ft | $86,000 |
| 1,500 sq ft | $129,000 |
| 2,000 sq ft | $172,000 |
| 2,500 sq ft | $215,000 |
| 3,000 sq ft | $258,000 |
Salary needed to buy a home in ZIP 39842
To buy the typical $118,000 home in ZIP 39842 with 20% down, you need a household income of roughly $32,000 a year (about $750 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $38,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $5,900 | $930/mo | $40,000/yr |
| 10% (+PMI) | $11,800 | $890/mo | $38,000/yr |
| 20% | $23,600 | $750/mo | $32,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in ZIP 39842
At about $86 per square foot, here is roughly how much home different budgets get you in ZIP 39842:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 1740 sq ft | around the typical home here |
| $200k | 2330 sq ft | above the median — larger homes or the pricier ZIPs |
| $250k | 2910 sq ft | above the median — larger homes or the pricier ZIPs |
| $300k | 3490 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens pre-filled with a typical 39842 home.
Estimate a specific home in 39842
The estimator below is pre-set to ZIP 39842 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All Albany ZIP codes by home value
Where 39842 sits among Albany’s 5 ZIP codes:
| # | ZIP code | Typical value | $ / sq ft |
|---|---|---|---|
| 1 | 31721 | $241,000 | $132 |
| 2 | 31707 | $139,000 | $102 |
| 3 | 39842 (this page) | $118,000 | $86 |
| 4 | 31705 | $90,000 | $85 |
| 5 | 31701 | $79,000 | $91 |
ZIP 39842 home prices: frequently asked
What is the average home price in ZIP code 39842? +
What is the price per square foot in 39842? +
What salary do you need to buy a house in ZIP 39842? +
Is 39842 an expensive ZIP code? +
See the full Albany home values page, all Georgia cities, or price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research), not appraisals. A single ZIP contains very different homes; actual values vary and change over time.