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City · 201,528 residents · Richmond County, Georgia

Augusta-Richmond County , Georgia

In Augusta-Richmond County, a typical home is worth $178,400 and typical rent is $1,142 a month. Home values, rent and income are very close to those of all of Richmond County.

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  • Typical home value

    $178,400

    About the same as the county

    41% below Georgia

    • Augusta-Richmond County
    • Richmond
    • Georgia

  • Typical rent

    $1,142a month

    About the same as the county

    18% below Georgia

    • Augusta-Richmond County
    • Richmond
    • Georgia

  • Typical household income

    $55,485a year

    About the same as the county

    28% below Georgia

    • Augusta-Richmond County
    • Richmond
    • Georgia

  • Households that own their home

    51%

    About the same as the county

    15 points below Georgia

    • Augusta-Richmond County
    • Richmond
    • Georgia

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$187,663
2.4% more than 12 months ago
Typical rent
$1,344 a month
4.4% more than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Augusta-Richmond County is in Richmond County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Richmond County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Augusta-Richmond County apart

What this place has that others do not, from public data, most unusual first.

  1. Nearby, in Waynesboro, the typical rent is $746: 35% less than in Augusta-Richmond County ($1,142).

  2. According to Zillow, in the 12 months to September 2026 the typical home value in Augusta-Richmond County rose 2.4%; in Georgia, it fell 0.6%.

Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data

The homes here

Housing in Augusta-Richmond County

What homes there are in Augusta-Richmond County, 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 Augusta-Richmond County, 6 in 10 homes are single-family detached houses, about the same as in Richmond County.

Year built

The typical year built in Augusta-Richmond County is 1980, about the same as in Richmond County (1980).

Much as in Richmond County, 58% of homes in Augusta-Richmond County have 3 bedrooms or more.

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

About 96% of owner-occupied homes in Augusta-Richmond County are worth less than the FHA loan limit for Richmond County ($541,287).

Monthly rent with utilities

Measured against HUD's 2-bedroom fair market rent ($1,329), about 64% of rented homes in Augusta-Richmond County cost less.

With a mortgage

$1,382 a month

Richmond County: $1,382 a month

Without a mortgage

$488 a month

Richmond County: $486 a month

Owners with a mortgage

60%

Richmond County: 60%

Owning costs about the same in Augusta-Richmond County as in Richmond County: with a mortgage, $1,382 a month; without one, $488.

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

Much as in Richmond County, the typical home value in Augusta-Richmond County rose 65% since 2015–2019.

The typical rent in Augusta-Richmond County rose 29% since 2015–2019, about the same as in Richmond County (29%).

While home values in Augusta-Richmond County changed +65% and rent +29%, the typical household income rose 30%.

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

MeasureAugusta-Richmond CountyRichmond CountyGeorgiaUnited States
Rental vacancy 11.1%11.0%6.8%5.5%
Homeowner vacancy 0.8%0.8%1.1%0.9%
More than one person per room 1.7%1.7%2.4%3.4%
People per household 2.562.572.622.53
Drive alone 76%77%71%69%
Carpool 7%7%9%9%
Public transit 1%1%1%3%
Walk or bike 3%3%1%3%
Work from home 9%9%16%15%
Other means 4%3%2%2%
Typical commute Unreliable estimateUnreliable estimate20 to 29 minutes20 to 29 minutes

In Augusta-Richmond County, the rental vacancy rate is 11.1%, about the same as in Richmond County.

More than one person per room: that is how 1.7% of households in Augusta-Richmond County live, near the figure in Richmond County (1.7%).

A household in Augusta-Richmond County has 2.56 people on average, about the same as in Richmond County (2.57).

In Augusta-Richmond County, 76% of workers drive alone to work; in Richmond County, 77%.

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

Do the math

What would you pay each month for a home in Augusta-Richmond County?

A typical home is tight for the typical income

We start with a typical home in Augusta-Richmond County, worth $178,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 32% of the typical household income in Augusta-Richmond County, which is $55,485 a year. For that payment to be 28% of income, a household would need to earn about $62,840 a year.

The calculator's FHA and conventional loan limits are those of all of Richmond County.

Your numbers

Local data
$

Starts at the typical home value in Augusta-Richmond County. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $6,244 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$1,466

at 7.18% · 30 years

Loan amount
$175,169
Total interest
$252,027
Paid off in
November 2056

Includes $3,013 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,295 a month

  • Tight

    $1,295 to $1,665 a month

    Your payment · 32%

  • Hard

    more than $1,665 a month

Compared with the typical household income in Augusta-Richmond County ($55,485 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,466
Principal & interest$1,187
Property tax$126
Home insurance$74
FHA mortgage insurance (MIP)$79

You need at least $6,244 for the down payment, plus closing costs.

Next step

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.

The city and its county

Augusta-Richmond County and Richmond County

Augusta-Richmond County is in Richmond 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).

Augusta-Richmond County's own numbers

Typical home value
$178,400
Typical monthly rent
$1,142
Typical yearly household income
$55,485
Households that own their home
51%
Effective property tax rate
0.85%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Richmond County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,329
Price change over 5 years (FHFA)
+54%
Homes in a high flood-risk zone
1.6%

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 Richmond County.

Everything about Richmond County

Buying

Buying a home in Augusta-Richmond County

A typical home in Augusta-Richmond County is worth $178,400: about the same as the county and 41% below Georgia. With the typical household income in Augusta-Richmond County ($55,485 a year), a typical home costs 3.2 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.

  • Augusta-Richmond County 3.2 years
  • Richmond 3.2 years
  • Georgia 3.9 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Richmond County

According to FHFA’s house price index, home prices in Richmond County rose 97% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Richmond County.

Period County Georgia U.S.
Last year (2025) +2.1% +2.2% +2.9%
5 years (2020–2025) +54% +58% +47%
10 years (2015–2025) +97% +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

Augusta-Richmond County next to Richmond 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
  • Augusta-Richmond County $178,400
  • Richmond $178,500
  • Georgia $303,300
  • United States $332,700
Typical monthly rent
  • Augusta-Richmond County $1,142
  • Richmond $1,141
  • Georgia $1,393
  • United States $1,413
Typical yearly household income
  • Augusta-Richmond County $55,485
  • Richmond $55,637
  • Georgia $77,353
  • United States $80,734
See the full table
Augusta-Richmond County next to Richmond County and Georgia
Measure Augusta-Richmond County Richmond County Georgia U.S.
Typical home value $178,400 $178,500 $303,300 $332,700
Typical monthly rent $1,142 $1,141 $1,393 $1,413
Typical yearly household income $55,485 $55,637 $77,353 $80,734
Households that own their home 51% 51% 66% 65%
Typical yearly property tax $1,520 $1,508 $2,341 $3,119
Effective property tax rate 0.85% 0.84% 0.77% 0.94%
Renters with high rent for their income 56% 56% 52% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Richmond 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 Augusta-Richmond County

For a typical $178,400 home in Augusta-Richmond County, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Augusta-Richmond County's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,466a month

    Least cash to close
    Down payment
    $6,244
    Cash to close
    $11,596
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $79

  • Conventional, 5% down $1,434a month

    Down payment
    $8,920
    Cash to close
    $14,272
    Rate
    7.18%
    Mortgage insurance
    PMI · $85

  • Conventional, 20% down, no PMI $1,168a month

    Down payment
    $35,680
    Cash to close
    $41,032
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,332a month

    Down payment
    $26,760
    Cash to close
    $32,112
    Rate
    8.18%
    Mortgage insurance
    None

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.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Augusta-Richmond County and for Richmond County.

Property tax

Effective rate in Augusta-Richmond County

0.85%of the home’s value each year

$1,520 a year for the typical owner in Augusta-Richmond County.

  • Augusta-Richmond County 0.85%
  • Richmond 0.84%
  • Georgia 0.77%

What Georgia publishes Standard state homestead exemption (Georgia Department of Revenue)

Exemptions and deadlines in Georgia

Flood risk in Richmond County

FEMA does not publish these numbers by city: they are for all of Richmond County.

Homes in the high-risk zone
1.6%
1,121
Of those, with NFIP insurance
34%
County Georgia U.S.
Homes in the high-risk zone 1.6% 2% 3.5%
Of those, with NFIP insurance 34% 43% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Augusta-Richmond County

Typical rent in Augusta-Richmond County is $1,142 a month: about the same as the county. In Augusta-Richmond County, 56% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Richmond County, by unit size. To pay the 2-bedroom one ($1,329 a month) without spending more than 30% of your income, you would need to earn $25.56 an hour working full time.

HUD fair market rent for all of Richmond County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $997 $19.17 $39,880
1 bedroom $1,202 $23.12 $48,080
2 bedrooms $1,329 $25.56 $53,160
3 bedrooms $1,672 $32.15 $66,880
4 bedrooms $2,035 $39.13 $81,400

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 Augusta-Richmond County

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Augusta-Richmond County has 9 ZIP codes with their own.

For 2 bedrooms it runs from $1,000 in 30805 to $1,970 in 30905.

4 of the 9 are above the fair market rent for Richmond County ($1,329).

  • 30805 $1,000$1,260
  • 30812 $1,310$1,650
  • 30815 $1,420$1,790
  • 30901 $1,170$1,470
  • 30904 $1,270$1,600
  • 30905 $1,970$2,480
  • 30906 $1,310$1,650
  • 30909 $1,590$2,000
  • 30912 $1,340$1,690

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Augusta-Richmond County 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 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Free help

Help to buy or rent in Augusta-Richmond County

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 2 HUD-approved agencies with an office in Richmond County; 1 says it serves in Spanish.

A grandmother smiles, seated at home.

HUD counseling is free or low-cost

Assistance programs in Augusta-Richmond County

No down payment, repair or rent-help program on our list is for Augusta-Richmond County or Richmond County. The ones below are statewide in Georgia: they work in Augusta-Richmond County the same as in the rest of the state.

Which programs do I qualify for? All programs in Georgia

  • Georgia Dream Homeownership Program

    Statewide in Georgia

    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

    See the program Official page

  • Georgia Dream Peach Plus Loan Program

    Statewide in Georgia

    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

    See the program Official page

Housing counselors near Augusta-Richmond County

The HUD-approved agencies closest to the center of Augusta-Richmond County, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • NSC (naca Counseling Subsidiary) - Augusta, GA

    2652 Tobacco Rd, Hephzibah · 2 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (706) 855-7464

  • Csra Economic Opportunity Authority, Inc.

    1261 Greene St, Augusta · 10 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (706) 722-0493

  • CCCS of the Savannah Area, Inc. - Statesboro Branch

    515 Denmark Street Suite 700, Statesboro · 65 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (912) 691-2227

Every agency in Richmond County All counseling agencies in Georgia

Help in Spanish near Augusta-Richmond County

1 of the 3 agencies on this list says it serves in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Augusta-Richmond County

In HUD’s record, no housing authority with an office in Richmond County is named for Augusta-Richmond County or Richmond County.

One other authority has an office in Richmond County: see the list Source: HUD

Cities

Nearby cities

The cities closest to Augusta-Richmond County, with the typical home value.

Everything about Richmond County Housing in Georgia

Neighboring counties

If Richmond County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Augusta-Richmond County.

All guides
A smiling girl holds up a small mushroom she found on a forest outing.

Questions

Housing questions about Augusta-Richmond County

Short answers with the numbers for Augusta-Richmond County and all of Richmond 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 Augusta-Richmond County?

The typical home value in Augusta-Richmond County is $178,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Richmond County it is $178,500.

How much does it cost to rent in Augusta-Richmond County?

Typical rent in Augusta-Richmond County is $1,142 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Richmond County is $1,329.

What is the FHA loan limit in Augusta-Richmond County?

Augusta-Richmond County uses the FHA limit for all of Richmond County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Augusta-Richmond County?

The typical homeowner in Augusta-Richmond County pays $1,520 a year, according to the U.S. Census Bureau. That is 0.85% of the home’s value; in Richmond County, the rate is 0.84%.

Where can I find free help to buy or rent in Augusta-Richmond County?

There are 2 HUD-approved counseling agencies with an office in Richmond County. 1 says it serves in Spanish. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).