In Atlanta, a typical home is worth $439,600 and typical rent is $1,711 a month. Compared with all of Fulton County, typical household income is 10% lower and the share of households that own their home is 8 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $372,196 to $380,331.
Typical rent
$1,942a month
▲ 3.2% more than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $1,771 to $1,942.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Atlanta is in Fulton County. The FHA loan limit ($718,750 for a one-unit home), the fair market rents and the help on this page are those of all of Fulton County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in East Point, the typical home value is $281,600: 36% less than in Atlanta ($439,600).
2
Nearby, in East Point, the typical rent is $1,364: 20% less than in Atlanta ($1,711).
3
46% of households in Atlanta own their home, against 54% in Fulton County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Atlanta
What homes there are in Atlanta, 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
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Atlanta
Fulton County
Georgia
United States
Kind of home: Atlanta and its comparisons
Measure
Atlanta
Fulton County
Georgia
United States
Detached house
36%
46%
66%
61%
Attached house
6%
8%
4%
6%
Building of 2 to 4
6%
5%
5%
8%
Apartments (5 or more)
52%
41%
16%
19%
Mobile home
0%
0%
8%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Atlanta, the apartment is the most common kind of home: 52%, against 41% in Fulton County.
Year built
Before 19601960–19791980–19992000–20092010 or later
Atlanta
Fulton County
Georgia
United States
Year built: Atlanta and its comparisons
Measure
Atlanta
Fulton County
Georgia
United States
Before 1960
25%
15%
12%
26%
1960–1979
17%
18%
20%
24%
1980–1999
16%
27%
33%
25%
2000–2009
20%
21%
21%
14%
2010 or later
21%
19%
14%
11%
The typical home in Atlanta was built in 1989, 4 years before the typical one in Fulton County.
Homes in Atlanta are smaller: 38% have 3 bedrooms or more; in Fulton County, 51%.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limit
Under $100K4%
$100K–$200K8%
$200K–$300K16%
$300K–$500K28%
$500K–$750K18%
FHA limit: $718,750
$750K–$1M10%
$1M or more14%
Value of owner-occupied homes: Atlanta and its comparisons
Measure
Atlanta
Under $100K
4%
$100K–$200K
8%
$200K–$300K
16%
$300K–$500K
28%
$500K–$750K
18%
$750K–$1M
10%
$1M or more
14%
The FHA loan limit for Fulton County is $718,750, and about 73% of owner-occupied homes in Atlanta are worth less than that.
Monthly rent with utilities
Under the limitOver the limit
Under $5009%
$500–$9999%
$1,000–$1,49920%
$1,500–$1,99929%
HUD fair market rent, 2 bedrooms: $1,762
$2,000–$2,49919%
$2,500–$2,9998%
$3,000 or more7%
Monthly rent with utilities: Atlanta and its comparisons
Measure
Atlanta
Under $500
9%
$500–$999
9%
$1,000–$1,499
20%
$1,500–$1,999
29%
$2,000–$2,499
19%
$2,500–$2,999
8%
$3,000 or more
7%
About 53% of rented homes in Atlanta cost less than HUD's 2-bedroom fair market rent for Fulton County ($1,762); the rest cost more.
With a mortgage
$2,423 a month
Fulton County: $2,373 a month
Without a mortgage
$836 a month
Fulton County: $831 a month
Owners with a mortgage
72%
Fulton County: 72%
Owning costs about the same in Atlanta as in Fulton County: with a mortgage, $2,423 a month; without one, $836.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Atlanta+51%
Fulton County+46%
Georgia+72%
United States+53%
Typical rent
Atlanta+48%
Fulton County+44%
Georgia+39%
United States+33%
Typical household income
Atlanta+43%
Fulton County+37%
Georgia+32%
United States+29%
Change since 2015–2019: Atlanta and its comparisons
Measure
Atlanta
Fulton County
Georgia
United States
Typical home value
+51%
+46%
+72%
+53%
Typical rent
+48%
+44%
+39%
+33%
Typical household income
+43%
+37%
+32%
+29%
Since 2015–2019, homes in Atlanta gained value faster than in Fulton County: 51% against 46%.
Rents in Atlanta rose faster than in Fulton County: 48% since 2015–2019, against 44%.
The typical household income in Atlanta rose 43%: less than home values (+51%) and rent (+48%).
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Atlanta and its comparisons
Measure
Atlanta
Fulton County
Georgia
United States
Rental vacancy
9.0%
7.9%
6.8%
5.5%
Homeowner vacancy
1.4%
1.3%
1.1%
0.9%
More than one person per room
1.9%
2.1%
2.4%
3.4%
People per household
2.00
2.26
2.62
2.53
Drive alone
53%
57%
71%
69%
Carpool
5%
6%
9%
9%
Public transit
6%
4%
1%
3%
Walk or bike
5%
3%
1%
3%
Work from home
30%
29%
16%
15%
Other means
2%
2%
2%
2%
Typical commute
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
In Atlanta, the rental vacancy rate is 9.0%; in Fulton County, 7.9%.
In Atlanta, 1.9% of households live with more than one person per room, about the same as in Fulton County.
Fewer people live in each home here: 2.00 on average, against 2.26 in Fulton County.
The car rules in Atlanta: 53% of workers drive to work alone, and the typical trip takes 20 to 29 minutes.
Do the math
What would you pay each month for a home in Atlanta?
A typical home costs more than the typical income allows
We start with a typical home in Atlanta, worth $439,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 51% of the typical household income in Atlanta, which is $85,652 a year. For that payment to be 28% of income, a household would need to earn about $156,572 a year.
The calculator's FHA and conventional loan limits are those of all of Fulton County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Atlanta. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $15,386 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$3,653
at 7.18% · 30 years
Loan amount
$431,638
Total interest
$621,025
Paid off in
November 2056
Includes $7,424 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,999 a month
Tight
$1,999 to $2,570 a month
Hard
more than $2,570 a month
Your payment · 51%
Compared with the typical household income in Atlanta ($85,652 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,924
Property tax
$352
Home insurance
$183
FHA mortgage insurance (MIP)
$194
You need at least $15,386 for the down payment, plus closing costs.
This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.
Total monthly payment $3,653; principal and interest $2,924.
The city and its county
Atlanta and Fulton County
Atlanta is in Fulton County, Georgia. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).
Atlanta
Map of Fulton County, Georgia, with Atlanta marked. Around it, the neighboring counties.
Atlanta
Fulton County
Other cities with a page
Atlanta's own numbers
Typical home value
$439,600
Typical monthly rent
$1,711
Typical yearly household income
$85,652
Households that own their home
46%
Effective property tax rate
0.96%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Fulton County
FHA limit, one-unit home
$718,750
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,762
Price change over 5 years (FHFA)
+46%
Homes in a high flood-risk zone
0.9%
HUD, FHFA and FEMA don't publish these numbers by city.
Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Fulton County.
A typical home in Atlanta is worth $439,600: 4% below the county and 45% above Georgia. With the typical household income in Atlanta ($85,652 a year), a typical home costs 5.1 times what the household earns in a year.
Years of income to pay for a typical home
The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.
Atlanta5.1 years
Fulton4.8 years
Georgia3.9 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Fulton County
According to FHFA’s house price index, home prices in Fulton County rose 98% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Fulton County.
Yearly change in FHFA’s price index in Fulton County, 2016 to 2025
2016: +8.0% +8.0% 2016
2017: +6.2% +6.2% 2017
2018: +7.8% +7.8% 2018
2019: +6.3% +6.3% 2019
2020: +3.4% +3.4% 2020
2021: +10.8% +10.8% 2021
2022: +17.9% +17.9% 2022
2023: +7.2% +7.2% 2023
2024: +2.8% +2.8% 2024
2025: +1.2% +1.2% 2025
Change in FHFA’s price index in Fulton County, Georgia and the United States
Period
County
Georgia
U.S.
Last year (2025)
+1.2%
+2.2%
+2.9%
5 years (2020–2025)
+46%
+58%
+47%
10 years (2015–2025)
+98%
+110%
+85%
The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data
Atlanta next to Fulton County, Georgia and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Atlanta$439,600
Fulton$458,800
Georgia$303,300
United States$332,700
Typical monthly rent
Atlanta$1,711
Fulton$1,732
Georgia$1,393
United States$1,413
Typical yearly household income
Atlanta$85,652
Fulton$95,292
Georgia$77,353
United States$80,734
See the full table
Atlanta next to Fulton County and Georgia
Measure
Atlanta
Fulton County
Georgia
U.S.
Typical home value
$439,600 ▼4% below the county
$458,800
$303,300
$332,700
Typical monthly rent
$1,711
$1,732
$1,393
$1,413
Typical yearly household income
$85,652 ▼10% below the county
$95,292
$77,353
$80,734
Households that own their home
46% ▼8 points below the county
54%
66%
65%
Typical yearly property tax
$4,231 ▲5% above the county
$4,033
$2,341
$3,119
Effective property tax rate
0.96% ▲0.08 points above the county
0.88%
0.77%
0.94%
Renters with high rent for their income
52% ▲1 points above the county
51%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Fulton County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.
Four ways to pay for a typical home in Atlanta
For a typical $439,600 home in Atlanta, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Atlanta's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$3,653a month
Least cash to close
Down payment
$15,386
Cash to close
$28,574
Rate
7.18%
Mortgage insurance
FHA MIP · $194
Conventional, 5% down$3,573a month
Down payment
$21,980
Cash to close
$35,168
Rate
7.18%
Mortgage insurance
PMI · $209
Conventional, 20% down, no PMI$2,917a month
Down payment
$87,920
Cash to close
$101,108
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$3,324a month
Down payment
$65,940
Cash to close
$79,128
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Atlanta
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$3,653
$15,386
$431,638
7.18%
FHA MIP · $194
$28,574
580
Conventional, 5% down
$3,573
$21,980
$417,620
7.18%
PMI · $209
$35,168
620*
Conventional, 20% down, no PMI
$2,917
$87,920
$351,680
7.18%
None
$101,108
620*
ITIN, 15% down (example)
$3,324
$65,940
$373,660
8.18%
None
$79,128
Set by the lender
The option that asks for the least cash to close is FHA, 3.5% down.
Cash to close = down payment plus 3% of the price in closing costs (example).
Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.
Typical rent in Atlanta is $1,711 a month: about the same as the county. In Atlanta, 52% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Fulton County, by unit size. To pay the 2-bedroom one ($1,762 a month) without spending more than 30% of your income, you would need to earn $33.88 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Fulton County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,554
$29.88
$62,160
1 bedroom
$1,619
$31.13
$64,760
2 bedrooms
$1,762
$33.88
$70,480
3 bedrooms
$2,099
$40.37
$83,960
4 bedrooms
$2,493
$47.94
$99,720
Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027
By ZIP code
Fair market rent by ZIP code in Atlanta
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Atlanta has 22 ZIP codes with their own.
For 2 bedrooms it runs from $1,200 in 30315 to $2,640 in 30309.
17 of the 22 are above the fair market rent for Fulton County ($1,762).
2-bedroom fair market rent in each of the 22 ZIP codes of Atlanta, beside the one for Fulton County. For 2 bedrooms it runs from $1,200 in 30315 to $2,640 in 30309. 17 of the 22 are above the fair market rent for Fulton County ($1,762).
2-bedroom fair market rent in each ZIP code
Each line is one ZIP code: in color, those above the county's fair market rent; in gray, the rest.
County: $1,762
Lowest: $1,200 (30315)Highest: $2,640 (30309)
Fair market rent by ZIP code and size in Atlanta, fiscal year 2027.
30303
$1,680
$1,750
$1,910
$2,280
$2,700
30305
$1,980
$2,060
$2,240
$2,670
$3,170
30306
$1,900
$1,980
$2,150
$2,560
$3,050
30307
$1,960
$2,040
$2,220
$2,650
$3,140
30308
$1,950
$2,030
$2,230
$2,670
$3,190
30309
$2,330
$2,430
$2,640
$3,150
$3,740
30310
$1,160
$1,200
$1,310
$1,560
$1,880
30311
$1,180
$1,230
$1,340
$1,600
$1,900
30312
$1,910
$1,990
$2,170
$2,590
$3,070
30313
$1,640
$1,710
$1,860
$2,220
$2,630
30314
$1,070
$1,110
$1,210
$1,440
$1,710
30315
$1,060
$1,100
$1,200
$1,430
$1,700
30317
$1,640
$1,710
$1,860
$2,220
$2,630
30318
$1,630
$1,700
$1,850
$2,220
$2,640
30322
$1,900
$1,980
$2,150
$2,570
$3,040
30324
$2,130
$2,210
$2,410
$2,870
$3,420
30326
$2,060
$2,150
$2,340
$2,790
$3,310
30327
$1,930
$2,010
$2,190
$2,610
$3,100
30332
$1,630
$1,700
$1,850
$2,210
$2,620
30334
$1,630
$1,700
$1,850
$2,200
$2,620
30354
$1,270
$1,320
$1,440
$1,720
$2,040
30363
$1,910
$1,990
$2,170
$2,590
$3,070
ZIP code2 bd3 bd
30303 $1,910$2,280
30305 $2,240$2,670
30306 $2,150$2,560
30307 $2,220$2,650
30308 $2,230$2,670
30309 $2,640$3,150
30310 $1,310$1,560
30311 $1,340$1,600
30312 $2,170$2,590
30313 $1,860$2,220
30314 $1,210$1,440
30315 $1,200$1,430
30317 $1,860$2,220
30318 $1,850$2,220
30322 $2,150$2,570
30324 $2,410$2,870
30326 $2,340$2,790
30327 $2,190$2,610
30332 $1,850$2,210
30334 $1,850$2,200
30354 $1,440$1,720
30363 $2,170$2,590
6 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Atlanta when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD)Fiscal year 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.
There are 10 HUD-approved agencies with an office in Fulton County; 1 says it serves in Spanish.
1 program is for Atlanta or Fulton County, by its own record: they come first, each with what its official page says about being open. The ones below are statewide in Georgia: they work in Atlanta the same as in the rest of the state.
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).
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.
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.
Short answers with the numbers for Atlanta and all of Fulton County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.
How much does a typical home cost in Atlanta?
The typical home value in Atlanta is $439,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Fulton County it is $458,800.
How much does it cost to rent in Atlanta?
Typical rent in Atlanta is $1,711 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Fulton County is $1,762.
What is the FHA loan limit in Atlanta?
Atlanta uses the FHA limit for all of Fulton County (2026): $718,750 for a one-unit home and $1,382,250 for a four-unit home.
How much property tax do owners pay in Atlanta?
The typical homeowner in Atlanta pays $4,231 a year, according to the U.S. Census Bureau. That is 0.96% of the home’s value; in Fulton County, the rate is 0.88%.
Where can I find free help to buy or rent in Atlanta?
There are 10 HUD-approved counseling agencies with an office in Fulton County. 1 says it serves in Spanish. They can help you get ready to buy, with your credit, or with rent.
