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State

Data from November 2026

Housing , home prices, rents and assistance in Georgia (2026)

In Georgia, a typical home is worth $303,300 and the typical rent is $1,393 a month. The FHA limit for a one-unit home runs from $541,287 to $718,750 depending on the county. 42 HUD-approved counseling agencies serve Georgia; 12 say they serve you in Spanish.

Most populous:

Typical home value by county

  • Under $112,500
  • $112,500–$152,400
  • $152,400–$215,100
  • $215,100–$295,200
  • $295,200 or more
  • 2 with no data

Tap the map to see each county’s figure and open its page.

Typical home value
$303,300
9% less than the U.S.
U.S.: $332,700
Typical rent per month
$1,393
1% less than the U.S.
U.S.: $1,413
Typical household income
$77,353
4% less than the U.S.
U.S.: $80,734
FHA limit, 1 unit
$541,287 to $718,750
It changes by county. The highest applies in 29 counties.
U.S.: $541,287 to $1,299,500
Property tax
0.77%
of value a year
The typical bill is $2,341 a year.
U.S.: 0.94%

Source: American Community Survey (ACS) 5-year estimates Average 2020–2024 American Community Survey (ACS) 5-year estimates Source: FHA mortgage limits (HUD) Data from 2026 data FHA mortgage limits (HUD)

In short

Living in Georgia

A typical home in Georgia is worth $303,300, very close to the national figure. Prices change a lot by county: from $67,100 in Warren County to $550,400 in Forsyth County. The typical household earns $77,353 a year and the typical rent is $1,393 a month; 52% of renter households spend 30% or more of their income on housing. 66% of households own their home, and the typical property tax is $2,341 a year (about 0.77% of value).

The conforming loan limit for a one-unit home is $832,750 across Georgia. To pay HUD’s fair rent for a 2-bedroom apartment in Georgia ($1,528) without spending more than 30% of income, you need about $29.38 an hour working full time.

Source: Conforming loan limits (FHFA) Data from 2026 data Conforming loan limits (FHFA) Source: Fair Market Rents (HUD) Fiscal year 2027 Fair Market Rents (HUD)

The essentials in Georgia

More on property tax

  • Standard state homestead exemption

    If you live in the home as your primary residence, the state takes $2,000 off the assessed value (40 percent of value in Georgia) before county and school taxes are figured. Many counties offer larger local exemptions; ask your county tax commissioner.

    Georgia Department of Revenue · Verified October 23, 2026

  • Deadline: owner on January 1, application by April 1

    You must own the home on January 1 and file the application with your county tax commissioner (or assessor). The historic deadline is April 1; the state page says you may now apply until your 45-day window to appeal the assessment notice ends.

    Georgia Department of Revenue · Verified October 23, 2026

  • $4,000 exemption for people 65 and older with low income

    If you are 65 or older, you may claim a $4,000 exemption from all county taxes on your home if your income and your spouse's did not exceed $10,000 in the prior year. Retirement, pension and disability income is left out of that count, up to the most federal Social Security can pay a person and spouse. If you stop qualifying, you must tell the county tax commissioner.

    Georgia Department of Revenue · Verified October 31, 2026

  • Floating inflation-proof exemption for people 62 and older

    If you are 62 or older, you may get a county tax exemption that covers natural increases in your home's value. It helps if the appraised value went up by more than $10,000. Income for you, your spouse and anyone else living in the home cannot exceed $30,000. It does not change municipal or school taxes, and it replaces any other county homestead exemption.

    Georgia Department of Revenue · Verified October 31, 2026

  • Exemption for disabled veterans and their surviving spouse

    A qualifying disabled veteran who is a citizen and resident of Georgia, and who owns and lives in the home, gets an exemption from all property taxes (state, county, municipal and school). The amount for 2025 is $121,812; value above that stays taxable. The exemption extends to the unremarried surviving spouse or minor children while they keep living in the home.

    Georgia Department of Revenue · Verified October 31, 2026

  • Appealing the assessment: 45 days from the notice

    If you disagree with your assessment notice, you may appeal within 45 days of the date it was mailed. The appeal is filed in writing with the county Board of Tax Assessors. In it you choose how to appeal: to the County Board of Equalization, to a hearing officer or to an arbitrator.

    Georgia Department of Revenue · Verified October 31, 2026

The homes here

Housing in Georgia

What homes there are in Georgia, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

In Georgia, 7 in 10 homes are single-family detached houses; in the U.S., 6.

Year built

Homes in Georgia are newer: the typical year built is 1992; in the U.S., 1980.

In Georgia, 70% of homes have 3 bedrooms or more, more than in the U.S. (61%).

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

Looking at what owner-occupied homes in Georgia are worth, the most common range is between $300K and $500K (30%).

Monthly rent with utilities

The most common rent in Georgia is between $1,000 and $1,499 a month: that is where 29% of rented homes sit.

With a mortgage

$1,783 a month

United States: $1,963 a month

Without a mortgage

$541 a month

United States: $638 a month

Owners with a mortgage

63%

United States: 61%

In Georgia, 63% of owners have a mortgage, and their typical cost is $1,783 a month, against $1,963 in the U.S.. Without one it drops to $541.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

Since 2015–2019, homes in Georgia gained value faster than in the U.S.: 72% against 53%.

The typical rent in Georgia rose 39% over the same time; in the U.S., it rose 33%.

The typical household income in Georgia rose 32%: less than home values (+72%) and rent (+39%).

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureGeorgiaUnited States
Rental vacancy 6.8%5.5%
Homeowner vacancy 1.1%0.9%
More than one person per room 2.4%3.4%
People per household 2.622.53
Drive alone 71%69%
Carpool 9%9%
Public transit 1%3%
Walk or bike 1%3%
Work from home 16%15%
Other means 2%2%
Typical commute 20 to 29 minutes20 to 29 minutes

There is more rental housing open in Georgia: 6.8% is empty and offered for rent, against 5.5% in the U.S..

More than one person per room: that is how 2.4% of households in Georgia live, less than in the U.S. (3.4%).

By size, households in Georgia look like those in the U.S.: 2.62 people on average.

To get to work, 71% of workers in Georgia drive alone; in the U.S., 69%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Places

Explore the counties in Georgia

Sort by any column or type a name. The 25 most populous are shown; the button reveals the rest.

See the counties page

Source: American Community Survey (ACS) 5-year estimates Average 2020–2024 American Community Survey (ACS) 5-year estimates Source: FHA mortgage limits (HUD) Data from 2026 data FHA mortgage limits (HUD) Source: Fair Market Rents (HUD) Fiscal year 2027 Fair Market Rents (HUD)

Calculator

Work out your payment in Georgia

Start from the typical home value in Georgia, $303,300, and this week’s average rate. Move the price and the down payment to see your monthly payment. If you already visited a county, the calculator uses its numbers.

More math for Georgia

$
%

Estimated monthly payment

$2,473

FHA loan over 30 years, with estimated taxes and insurance.

See the full calculation

Prices and risks

Three official measures that help you decide: how much home prices have changed according to FHFA, how prices compare with the national average according to BEA, and how many homes sit in a flood zone according to FEMA.

Home prices

How have home prices changed?

According to the FHFA House Price Index, home prices in Georgia rose 110% in the 10 years through 2025.

Price change each year

Period Georgia United States
In 2025 +2.2% +2.9%
5 years (2020–2025) +58% +47%
10 years (2015–2025) +110% +85%

The index follows the prices of the same homes over time (sales and appraisals on loans bought or guaranteed by Fannie Mae and Freddie Mac). It is not the average price of a home. FHFA considers its annual state indexes experimental.

Source: FHFA House Price Index (HPI) Data from 2025 data FHFA House Price Index (HPI)

Cost of living

How expensive are prices here?

According to the Bureau of Economic Analysis (BEA), in 2024 prices in Georgia were 4% lower than the U.S. average. Housing rents were 12% lower than nationwide.

Category Georgia United States Versus the U.S.
All prices Consumer goods and services 96.3 100.0 4% less
Housing rents What renters pay 88.7 100.6 12% less
Water, power and gas Water, sewer, electricity and gas 92.8 98.4 6% less
Goods Food, clothing, transportation and more 98.9 99.6 1% less
Other services Services other than rent 97.3 100.1 3% less

BEA expresses each index as a percentage of the average U.S. price level: a higher number means higher prices, and a lower one, lower prices.

Source: Regional price parities (BEA) Data from 2024 data Regional price parities (BEA)

Flooding

Is there a flood risk?

According to FEMA, in Georgia 2% of homes (72,253) are in a high-risk flood zone. Of those homes, 43% have NFIP flood insurance.

  • A high-risk zone (Special Flood Hazard Area) has a 1% or greater chance of flooding each year. 44 CFR 59.1
  • If the home is in that zone and the loan comes from a regulated lender, federal law requires flood insurance for the life of the loan, in communities that take part in the NFIP. 42 U.S.C. 4012a
  • Most homeowners insurance does not cover flood damage. FEMA, FloodSmart
Georgia United States
Homes in a high-risk zone 2% 3.5%
Of those, with NFIP insurance 43% 48%
All homes with NFIP insurance 1.6% 2.9%

The NFIP is the federal flood insurance program; private policies are not counted. FEMA counts homes with its National Structure Inventory. We add up the county figures FEMA publishes.

Look up your address on FEMA’s map Source: Homes with flood insurance (NFIP, FEMA) As of August 3, 2026 Homes with flood insurance (NFIP, FEMA)

Places

Cities in Georgia

The 16 most populous cities with a page. Each one compares its prices and rents with its county.

See the other cities (150)

    Help to buy

    Assistance programs in Georgia

    Our list has 3 official programs that help you buy in Georgia. Each card says what kind of help it gives and when we checked its official page.

    See all 3 programs
    1. Georgia Dream Homeownership Program

      Georgia state program for first-time buyers: a mortgage with down payment assistance of up to 5% of the price or $10,000, as a 0% second mortgage with no monthly payments. Offered by Georgia Department of Community Affairs.

      Deferred Verified November 5, 2026

    2. Georgia Dream Peach Plus Loan Program

      FHA or VA mortgage from the Georgia Dream program with down payment assistance of 3.5% of the price (up to $10,000), or 4% (up to $12,500) for police officers, educators, health care workers, military members or families with a person with a disability; no first-time buyer requirement. Offered by Georgia Department of Community Affairs.

      Type not stated Verified November 5, 2026

    3. ATL HomeNOW

      Only in: Atlanta, Fulton County, DeKalb County

      Invest Atlanta help of up to $20,000 for the down payment, closing costs or a lower rate when you buy within the City of Atlanta, alongside a 30-year mortgage; forgiven if you live in the home 10 years. Offered by Invest Atlanta (Development Authority of the City of Atlanta).

      Forgivable Verified November 5, 2026

    Tenant rights

    Tenant rights in Georgia

    Georgia law answers 4 of these 5 questions, each answer with its citation. Where it says “Data not available”, we have not verified it against the source yet.

    A summary of state law, not legal advice. Cities may have additional rules.

    See every right

    1. How much can they charge for a deposit?

      A landlord cannot require a security deposit of more than two months' rent. The rule applies to leases entered into or renewed on or after July 1, 2024.

      O.C.G.A. §44-7-30.1

    2. When must they return my deposit?

      The landlord must return the deposit within 30 days after the lease ends or you move out, whichever is later. If part is kept for damage, the landlord must send a list of the damage and its estimated cost within the same 30 days.

      O.C.G.A. §44-7-34

    3. If I fall behind on rent, what notice must I get?

      If you owe rent, the landlord must give you a written notice to pay the back rent at least 3 business days before filing the eviction case (dispossessory). It can be served as the lease provides or posted in a sealed envelope on your door.

      O.C.G.A. §44-7-50(a)

    4. How much notice ends a month-to-month rental?

      If you never had a written lease, or your lease expired and the landlord let you stay (a tenancy at will), the landlord must give you 60 days' notice to end the tenancy. You must give 30 days' notice.

      O.C.G.A. §44-7-7

    5. Are there limits on late fees?

      Data not available

    The simple kitchen of an apartment, with an electric stove, a refrigerator and wood cabinets.

    Help and advice

    Who can help you in Georgia?

    You do not have to do this alone. A HUD-approved housing counselor gives independent advice on buying, renting, late payments and credit, often free or at low cost.

    42 HUD-approved counseling agencies serve Georgia; 12 say they serve you in Spanish. Choose your county to see the closest ones with their phone number.

    178 public housing authorities run Section 8 vouchers and public housing in Georgia.

    See all 42 agencies See the housing agencies

    Who runs the help in Georgia

    • Georgia Department of Community Affairs (DCA)

      The Georgia Department of Community Affairs (DCA) runs the Georgia Dream program, which gives assistance and funding to eligible first-time homebuyers. The standard assistance is 5 percent of the purchase price or a maximum of $10,000, whichever is less. The loans are 30-year fixed-rate mortgages. To start, contact a Georgia Dream participating lender.

      The agency's official page · Verified October 31, 2026

    Where to file a complaint in Georgia

    • Housing discrimination complaints to the Georgia Commission on Equal Opportunity

      The Fair Housing Division of the Georgia Commission on Equal Opportunity (GCEO) investigates and works to resolve housing discrimination complaints in the state. If you believe you or someone else faced discrimination in a housing transaction, you may file a complaint, but it must be within one year after it occurred.

      Georgia Commission on Equal Opportunity (GCEO) · Verified October 31, 2026

    • Insurance complaints to the Georgia Office of Commissioner of Insurance

      The Consumer Services Division of the Office of Commissioner of Insurance and Safety Fire (OCI) may help you resolve a complaint about your insurance company or agent, or about how a claim is handled. Before you contact it, ask your insurance company to resolve the issue.

      Georgia Office of Commissioner of Insurance and Safety Fire · Verified October 31, 2026

    Guides

    Guides for you in Georgia

    We picked them with the numbers of Georgia. Each one says why it can help you.

    Frequently asked questions about housing in Georgia

    What is the FHA limit in Georgia in 2026?

    In Georgia, the FHA limit for a one-unit home runs from $541,287 to $718,750. The highest is in Barrow County.

    How much does a typical home cost in Georgia?

    The typical home value in Georgia is $303,300 (Average 2020–2024, U.S. Census). The highest is in Forsyth County ($550,400) and the lowest in Warren County ($67,100).

    How much does it cost to rent in Georgia?

    The typical rent in Georgia is $1,393 a month (Average 2020–2024, U.S. Census).

    How much do you need to earn to rent a 2-bedroom apartment in Georgia?

    At HUD's average fair market rent in Georgia ($1,528, Fiscal year 2027), about $29.38 an hour working full time, so rent stays under 30% of income.

    How much is property tax in Georgia?

    The typical property tax in Georgia is $2,341 a year, about 0.77% of home value (Average 2020–2024, U.S. Census).

    Where can I find free help in Spanish to buy a home in Georgia?

    There are 42 HUD-approved counseling agencies in Georgia; 12 say they serve you in Spanish. Each county page lists the closest ones with their phone number.

    Sources: American Community Survey (Average 2020–2024); FHA mortgage limits (2026 data); Conforming loan limits (2026 data); Fair Market Rents (Fiscal year 2027); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (Retrieved November 6, 2026); FHFA House Price Index (2025 data); Homes with flood insurance (As of August 3, 2026); Regional price parities (2024 data); Census Bureau cartographic boundary files (2024 data).