Clyo, Georgia.
Typical home $300,496 (-0.1% in a year). Savannah, GA metro.
to buy the typical home at today's mortgage rate — +$947 (+150%) since Jan 2020.
- 1 year
- Down $298 -0%
- $300,794$300,496 since Sep 2025
- 5 years
- Up $82,273 +38%
- $218,223$300,496 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Clyo$1,577
- Georgia$1,727
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 11 years.
Typical home values in Clyo, GA fell 0.1% over the past year — slower than the nation's +1.2%.
Living in Clyo, Effingham County, Georgia
The Census does not count Clyo on its own, so the figures here are Effingham County's. Half the county's households earn more than $88,438 a year and half less; 7% of the county's people live below the poverty line. 78% of the county's homes are lived in by their owners and 22% are rented. Unemployment in Effingham County was 2.7% in August 2026, and the county had 4.8% more jobs in 2025 than the year before. The most people in Effingham County work in manufacturing, then schools and health care.
Written by AI Claude Haiku 5.5 wrote this on 22 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Clyo is a small town in Effingham County, in southeast Georgia, within reach of the coast and the city of Savannah. Most of the county's households are lived in by their owners, and most homes are houses that families have kept for years. Winters are the coldest part of the year and summers are the hottest, and a good deal of rain falls across the seasons.
Work. Across Effingham County, most people work in manufacturing, in schools, hospitals and social care, in shops, or in transport, warehouses and utilities. Jobs have been growing, and unemployment is low. Few people work from home, so the trip to work is usually a drive, and most adults do not hold a four-year degree.
Things to do. A few places are within a longer drive of Clyo. The Savannah National Wildlife Refuge is a protected area with wetlands and wildlife to walk through. Lake Warren State Park is another protected area with water and open land, and Roebling Road Raceway is a race track for those who enjoy motor sport.
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- 24,287households
- 37.0median age
- 27%of adults have a degree
- 7%below the poverty line
- 32 mintypical commute
- 6%work from home
What people in Effingham County work in
Employed residents by industry, from the Census survey. Effingham County had 14,590 jobs in 2025, 4.8% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 61° and lows near 38°; warmest in July, with highs near 93° and lows near 72°. About 47 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Brooklet West weather station, 23 miles away (NOAA).
Largest workplaces in Effingham County
- Effingham County SchoolsSchool district2,033FTE
- Georgia TransformerTransformer manufacturer1,031
- Savannah River Tissue982
- Edwards InteriorsAerospace manufacture380
- Effingham HospitalCritical access hospital330FTE
- WalmartWarehouse clubs and supercenters323
- Sewon America Inc. Sare LocationAutomobile bodies, passenger car, manufacturing310
- Kroger Atlanta KMASupermarkets and other grocery except convenience stores234
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 43 workplaces with 20 or more staff, 5,910 people in all. School districts come from the Common Core of Data (NCES, 2023–24) and hospitals from their Medicare cost reports (CMS, 2023); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- HurricanesRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms across Effingham County, against the rest of the country; all of them together, relatively low. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Effingham County and the Savannah, GA metro.
Clyo home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Clyo$300,496
- Georgia$329,115
- United States$366,157
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Clyo6
Zip codes with a Clyo address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Clyo — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.