Census tract · Effingham County
Census Tract 304.03, Effingham County, Georgia
Census Tract 304.03, GEOID 13103030403, in Effingham County, Georgia, outside any city, town or census-designated place. 5,584 residents in the ACS 2020-2024 5-year estimates (±802); the 2020 Census counted 4,458.
Residents, 2020-2024
5,584
±802 (90% margin)
2020 Census count: 4,458
Median household income
$93,769
±$12,086 (90% margin)
Effingham County: $88,438
Median home value
$262,800
±$17,930 (90% margin)
Effingham County: $276,000
Median gross rent
$1,102
±$992 (90% margin)
Effingham County: $1,147
Where is Census Tract 304.03?
Census Tract 304.03 is one of 16 census tracts in Effingham County, Georgia. It covers 11.31 square miles of land, 394 residents per square mile in 2020. Its GEOID, 13103030403, names it uniquely (how tract numbers and GEOIDs work).
6 census tracts border Census Tract 304.03: Tract 107.03 in Chatham County ($79,196), Tract 107.07 in Chatham County ($113,690), Tract 108.01 in Chatham County ($59,853), Tract 303.01 ($103,142), Tract 304.01 ($87,176) and Tract 304.04 ($126,185). The figure in brackets is each tract's median household income.
Whether a tract counts as low- or moderate-income for bank lending (the Community Reinvestment Act) is set by the FFIEC against its metro area's family income: look it up in the FFIEC census geocoder.
Source: 2024 Gazetteer and 2020 block assignment files, U.S. Census Bureau · Census reference files
How many people live in Census Tract 304.03?
The 2020-2024 American Community Survey puts Census Tract 304.03's population at 5,584 (±802) in 1,770 households; the 2020 Census counted 4,458 residents and 1,620 housing units.
| Measure | Tract 304.03 | Effingham County |
|---|---|---|
| Total population | 5,584 ±802 | 69,143 |
| Households | 1,770 ±263 | 24,287 |
| Average household size | 3.15 ±0.30 | 2.83 |
| Housing units | 1,780 ±262 | 25,943 |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026); 2020 Census P.L. 94-171 · Check it at data.census.gov
Who lives in Census Tract 304.03?
The median resident of Census Tract 304.03 is 42.4 years old; 23.7% are under 18 and 18.7% are 65 or older. The largest group is non-Hispanic white residents at 81.3%, then non-Hispanic Black residents at 7.3%. 4.1% of residents were born outside the United States.
| Measure | Tract 304.03 | Effingham County |
|---|---|---|
| Median age | 42.4 ±5.1 | 37.0 |
| Under 18 years | 23.7% ±5.2 pts | 26.4% |
| 65 years and over | 18.7% ±5.4 pts | 12.5% |
| Hispanic or Latino (any race) | 5.6% ±3.7 pts | 6.6% |
| White alone, not Hispanic | 81.3% ±6.4 pts | 72.9% |
| Black or African American alone, not Hispanic | 7.3% ±3.9 pts | 14.4% |
| Asian alone, not Hispanic | 0.2% ±0.3 pts | 1.0% |
| American Indian and Alaska Native alone, not Hispanic | 0.0% ±0.8 pts | 0.1% |
| Native Hawaiian and Other Pacific Islander alone, not Hispanic | 0.0% ±0.8 pts | 0.1% |
| Two or more races, not Hispanic | 5.6% ±3.0 pts | 4.5% |
| Some other race alone, not Hispanic | 0.0% ±0.8 pts | 0.4% |
| Born outside the United States | 4.1% ±2.1 pts | 4.2% |
| Speak a language other than English at home (age 5+) | 5.9% ±3.8 pts | 5.6% |
| Civilian veterans (age 18+) | 16.0% ±7.3 pts | 12.4% |
| With a disability | 18.2% ±5.3 pts | 13.7% |
| No health insurance coverage | 17.8% ±6.6 pts | 9.7% |
| High school graduate or higher (age 25+) | 91.4% ±4.0 pts | 90.6% |
| Bachelor's degree or higher (age 25+) | 28.6% ±10.0 pts | 27.2% |
| Graduate or professional degree (age 25+) | 5.2% ±2.8 pts | 8.2% |
| Lived in the same house a year earlier | 95.0% ±3.6 pts | 89.4% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profiles DP02, DP05) · Check it at data.census.gov
What do households in Census Tract 304.03 earn?
Half of the 1,770 households in Census Tract 304.03 earn less than $93,769 a year (±$12,086), against $88,438 across Effingham County: 5th highest of the county's 15 tracts with a reliable estimate. 9.0% of residents live below the poverty line.
| Measure | Tract 304.03 | Effingham County |
|---|---|---|
| Median household income | $93,769 ±$12,086 | $88,438 |
| Mean household income | $103,152 ±$11,889 | $106,856 |
| Per capita income | $35,368 ±$4,493 | $38,913 |
| People below the poverty line | 9.0% ±3.9 pts | 6.8% |
| Children under 18 below the poverty line | 5.7% ±7.2 pts | 6.9% |
| Households receiving SNAP | 6.4% ±4.2 pts | 7.8% |
| Households with a computer | 88.0% ±10.0 pts | 96.1% |
| Households with a broadband subscription | 96.3% ±3.0 pts | 87.3% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP03) · Check it at data.census.gov
What does housing cost in Census Tract 304.03?
Owners occupy 71.6% of Census Tract 304.03's occupied homes and renters 28.4%. The median owner-occupied home is valued at $262,800 by its owner (±$17,930).
| Measure | Tract 304.03 | Effingham County |
|---|---|---|
| Median home value (owner-occupied) | $262,800 ±$17,930 | $276,000 |
| Median gross rent | $1,102 ±$992 | $1,147 |
| Renters paying 35% or more of income on rent | 14.7% ±15.9 pts | 26.8% |
| Median monthly owner costs, with a mortgage | $1,603 ±$87 | $1,716 |
| Owner-occupied homes | 71.6% ±12.9 pts | 78.4% |
| Renter-occupied homes | 28.4% ±12.9 pts | 21.6% |
| Housing units | 1,780 ±262 | 25,943 |
| Single-family detached homes | 70.2% ±10.7 pts | 74.1% |
| Mobile homes | 29.0% ±10.7 pts | 17.1% |
| Built 2020 or later | 7.9% ±5.4 pts | 4.7% |
| Built 2010 to 2019 | 23.3% ±8.7 pts | 20.7% |
| Built 1939 or earlier | 0.0% ±2.6 pts | 2.9% |
| Households with no vehicle | 1.6% ±2.1 pts | 2.8% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP04) · Check it at data.census.gov
How do people in Census Tract 304.03 get to work?
78.6% of Census Tract 304.03's workers drive alone and 11.4% work from home. The average trip to work takes 33.2 minutes.
| Measure | Tract 304.03 | Effingham County |
|---|---|---|
| In the labor force (age 16+) | 60.6% ±5.8 pts | 67.4% |
| Unemployment rate | 17.6% ±12.3 pts | 5.5% |
| Drove alone to work | 78.6% ±7.8 pts | 82.9% |
| Carpooled | 7.4% ±4.2 pts | 8.6% |
| Public transportation | 0.0% ±2.2 pts | 0.8% |
| Walked | 0.0% ±2.2 pts | 0.4% |
| Worked from home | 11.4% ±5.5 pts | 6.5% |
| Mean travel time to work | 33.2 min ±3.6 | 32.3 min |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP03) · Check it at data.census.gov
How does Census Tract 304.03 compare with the other tracts in Effingham County?
Among Effingham County's tracts with a reliable estimate, Census Tract 304.03 ranks as shown below (1 = highest).
| Measure | In Effingham County |
|---|---|
| Population | 3rd of 16 |
| Residents per square mile | 5th of 16 |
| Median household income | 5th of 15 |
| Per capita income | 12th of 16 |
| Median home value | 9th of 16 |
| Poverty rate | 4th of 6 |
| Bachelor's degree or higher | 7th of 16 |
| Median age | 2nd of 16 |
| Owner-occupied share | 14th of 16 |
The tracts next to it on Effingham County's income ladder
| Tract | Rank | Median household income |
|---|---|---|
| Tract 303.01 | 2nd | $103,142±$16,108 · within the margin of this tract |
| Tract 302.08 | 3rd | $101,402±$12,243 · within the margin of this tract |
| Tract 303.08 | 4th | $98,750±$29,310 · within the margin of this tract |
| Tract 304.03 | 5th | $93,769±$12,086 |
| Tract 302.09 | 6th | $87,866±$22,935 · within the margin of this tract |
| Tract 302.07 | 7th | $87,205±$14,975 · within the margin of this tract |
| Tract 304.01 | 8th | $87,176±$17,211 · within the margin of this tract |
"Within the margin": the two incomes differ by less than their combined 90% margins, so the survey cannot say which is higher and the ranks between them are not firm.
Source: PlainCities ranks computed from the American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) · How ranks are computed
How reliable are the figures for Census Tract 304.03?
3 of the 18 figures for Census Tract 304.03 on this page carry a coefficient of variation over 40% and are marked with a ring: they come from a small sample, so read them as rough.
A census tract's figures rest on a few hundred sampled households over five years, so its margins are wider than a city's. Two tracts differ only when the gap between them is larger than their combined 90% margin (the square root of the sum of the two squared margins). How to read a margin of error.
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026): margins of error as published · Check it at data.census.gov
How these figures are made: methodology and release checks · reading a margin of error · every state · corrections