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City · 14,404 residents · Decatur County, Georgia

Bainbridge , Georgia

In Bainbridge, a typical home is worth $174,700 and typical rent is $791 a month. Compared with all of Decatur County, typical household income is 15% lower, the typical home value is 10% higher, and the share of households that own their home is 6 points lower.

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  • Typical home value

    $174,700

    10% above the county

    42% below Georgia

    • Bainbridge
    • Decatur
    • Georgia

  • Typical rent

    $791a month

    6% below the county

    43% below Georgia

    • Bainbridge
    • Decatur
    • Georgia

  • Typical household income

    $45,422a year

    15% below the county

    41% below Georgia

    • Bainbridge
    • Decatur
    • Georgia

  • Households that own their home

    56%

    6 points below the county

    10 points below Georgia

    • Bainbridge
    • Decatur
    • Georgia

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

Market now, with Zillow data

Zillow data
Typical home value
$171,102
3.9% more than 12 months ago
Typical rent
$1,262 a month

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

Bainbridge is in Decatur 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 Decatur County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Bainbridge apart

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

  1. Nearby, in Camilla, the typical home value is $85,400: 51% less than in Bainbridge ($174,700).

  2. According to Zillow, in the 12 months to September 2026 the typical home value in Bainbridge rose 3.9%; in Georgia, it fell 0.6%.

  3. Bainbridge has the 13th lowest typical rent of the 162 cities in Georgia with more than 5,000 people ($791).

  4. 56% of households in Bainbridge own their home, against 62% in Decatur County.

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

The homes here

Housing in Bainbridge

What homes there are in Bainbridge, 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 houses, standing on their own, make up 72% of homes here, against 66% in Decatur County.

Year built

The typical year built in Bainbridge is 1983, about the same as in Decatur County (1986).

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
Monthly rent with utilities

With a mortgage

$1,260 a month

Decatur County: $1,280 a month

Without a mortgage

$540 a month

Decatur County: $495 a month

Owners with a mortgage

43%

Decatur County: 46%

In Bainbridge, 43% of owners have a mortgage; their typical cost is $1,260 a month, about the same as in Decatur County.

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

The typical home value in Bainbridge rose 75% since 2015–2019, more than in Decatur County (43%).

The typical rent in Bainbridge rose 20% over the same time; in Decatur County, it rose 24%.

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

MeasureBainbridgeDecatur CountyGeorgiaUnited States
Rental vacancy Unreliable estimateUnreliable estimate6.8%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.1%0.9%
More than one person per room Unreliable estimateUnreliable estimate2.4%3.4%
People per household 2.442.642.622.53
Drive alone 83%83%71%69%
Carpool Unreliable estimate8%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimateUnreliable estimate1%3%
Work from home Unreliable estimate4%16%15%
Other means Unreliable estimateUnreliable estimate2%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

Households in Bainbridge are smaller: 2.44 people on average; in Decatur County, 2.64.

In Bainbridge, 83% of workers drive alone to work; in Decatur County, 83%.

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 Bainbridge?

A typical home costs more than the typical income allows

We start with a typical home in Bainbridge, worth $174,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 39% of the typical household income in Bainbridge, which is $45,422 a year. For that payment to be 28% of income, a household would need to earn about $62,784 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Bainbridge. 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 $6,115 (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

$1,465

at 7.18% · 30 years

Loan amount
$171,535
Total interest
$246,799
Paid off in
November 2056

Includes $2,950 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,060 a month

  • Tight

    $1,060 to $1,363 a month

  • Hard

    more than $1,363 a month

    Your payment · 39%

Compared with the typical household income in Bainbridge ($45,422 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,465
Principal & interest$1,162
Property tax$153
Home insurance$73
FHA mortgage insurance (MIP)$77

You need at least $6,115 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

Bainbridge and Decatur County

Bainbridge is in Decatur 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).

Bainbridge's own numbers

Typical home value
$174,700
Typical monthly rent
$791
Typical yearly household income
$45,422
Households that own their home
56%
Effective property tax rate
1.05%

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

Numbers for all of Decatur County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,002
Price change over 5 years (FHFA)
+45%
Homes in a high flood-risk zone
4.9%

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 Decatur County.

Everything about Decatur County

Buying

Buying a home in Bainbridge

A typical home in Bainbridge is worth $174,700: 10% above the county and 42% below Georgia. With the typical household income in Bainbridge ($45,422 a year), a typical home costs 3.8 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.

  • Bainbridge 3.8 years
  • Decatur 3.0 years
  • Georgia 3.9 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Decatur County

According to FHFA’s house price index, home prices in Decatur County rose 70% in the 10 years through 2025.

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

Period County Georgia U.S.
Last year (2025) +0.9% +2.2% +2.9%
5 years (2020–2025) +45% +58% +47%
10 years (2015–2025) +70% +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

Bainbridge next to Decatur 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
  • Bainbridge $174,700
  • Decatur $158,800
  • Georgia $303,300
  • United States $332,700
Typical monthly rent
  • Bainbridge $791
  • Decatur $838
  • Georgia $1,393
  • United States $1,413
Typical yearly household income
  • Bainbridge $45,422
  • Decatur $53,317
  • Georgia $77,353
  • United States $80,734
See the full table
Bainbridge next to Decatur County and Georgia
Measure Bainbridge Decatur County Georgia U.S.
Typical home value $174,700 $158,800 $303,300 $332,700
Typical monthly rent $791 $838 $1,393 $1,413
Typical yearly household income $45,422 $53,317 $77,353 $80,734
Households that own their home 56% 62% 66% 65%
Typical yearly property tax $1,829 $1,514 $2,341 $3,119
Effective property tax rate 1.05% 0.95% 0.77% 0.94%
Renters with high rent for their income 43% 39% 52% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Decatur 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 Bainbridge

For a typical $174,700 home in Bainbridge, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Bainbridge's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,465a month

    Least cash to close
    Down payment
    $6,115
    Cash to close
    $11,356
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $77

  • Conventional, 5% down $1,433a month

    Down payment
    $8,735
    Cash to close
    $13,976
    Rate
    7.18%
    Mortgage insurance
    PMI · $83

  • Conventional, 20% down, no PMI $1,172a month

    Down payment
    $34,940
    Cash to close
    $40,181
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,334a month

    Down payment
    $26,205
    Cash to close
    $31,446
    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 Bainbridge and for Decatur County.

Property tax

Effective rate in Bainbridge

1.05%of the home’s value each year

$1,829 a year for the typical owner in Bainbridge.

  • Bainbridge 1.05%
  • Decatur 0.95%
  • Georgia 0.77%

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

Exemptions and deadlines in Georgia

Flood risk in Decatur County

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

Homes in the high-risk zone
4.9%
634
Of those, with NFIP insurance
26%
County Georgia U.S.
Homes in the high-risk zone 4.9% 2% 3.5%
Of those, with NFIP insurance 26% 43% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Bainbridge

Typical rent in Bainbridge is $791 a month: 6% below the county. In Bainbridge, 43% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Decatur County, by unit size. To pay the 2-bedroom one ($1,002 a month) without spending more than 30% of your income, you would need to earn $19.27 an hour working full time.

HUD fair market rent for all of Decatur 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 $792 $15.23 $31,680
1 bedroom $797 $15.33 $31,880
2 bedrooms $1,002 $19.27 $40,080
3 bedrooms $1,273 $24.48 $50,920
4 bedrooms $1,317 $25.33 $52,680

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 Bainbridge

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Bainbridge has 2 ZIP codes with their own.

For 2 bedrooms it is $1,000 in all of them.

None is above the fair market rent for Decatur County ($1,002).

  • 39817 $1,000$1,270
  • 39819 $1,000$1,270

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Bainbridge 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?

Low-income apartments

Low-income apartments in Bainbridge

HUD lists 11 buildings with rents for lower incomes in Bainbridge. These are the largest.

  • KING-WEST HOMES & Lord 1732 Bethel Rd, Bainbridge 39817 144 low-income homes · Run by Housing Authority of the City of Bainbridge · Average payment: $296 a month · Average wait: 3 months (912) 246-5386
  • HUTTO-MCIVER HOMES,Sims & Scatters Sites 851 Ml King Jr Dr, Bainbridge 39817 141 homes, 139 low-income · Run by Housing Authority of the City of Bainbridge · Average payment: $250 a month · Average wait: 3 months (912) 246-5386
  • The Rivers 1105 Lake Dr, Bainbridge 39817 114 low-income homes · In service since 2008 · For older adults (229) 246-9834
  • Gibbs-Miles Homes PO Box 304, Bainbridge 39818 74 low-income homes · For families (229) 246-5386
  • Selman Place 509 Gordon Ave, Bainbridge 39819 56 homes, 44 low-income · 1 bd: 28 · 2 bd: 28 · In service since 2003

See all 11 buildings in Decatur County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Bainbridge

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.

We found no HUD-approved agencies with an office in Decatur County. The nearest ones are below; many serve by phone or online.

A man smiles on a bench outside his apartment building.

HUD counseling is free or low-cost

Assistance programs in Bainbridge

No down payment, repair or rent-help program on our list is for Bainbridge or Decatur County. The ones below are statewide in Georgia: they work in Bainbridge 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 Bainbridge

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

  • City of Albany, Georgia

    230 S Jackson St Ste 315, Albany · 52 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (229) 483-7650

  • Nid-Hca Albany (FLETCHER)

    230 S Jackson St Ste 154, Albany · 52 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (229) 317-4745

  • Family Visions Outreach, Inc.

    601 West Price St., Sylvester · 61 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (229) 777-7704

All counseling agencies in Georgia

Help in Spanish near Bainbridge

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 Bainbridge

HUD’s record names them for Bainbridge or Decatur County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Housing Authority of the City of Bainbridge Public housing (912) 246-5386

All housing agencies in Georgia Source: HUD

Cities

Nearby cities

The cities closest to Bainbridge, with the typical home value.

Everything about Decatur County Housing in Georgia

Neighboring counties

If Decatur 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 Bainbridge.

All guides
A father smiles as he carries his baby on his shoulders outdoors.

Questions

Housing questions about Bainbridge

Short answers with the numbers for Bainbridge and all of Decatur 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 Bainbridge?

The typical home value in Bainbridge is $174,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Decatur County it is $158,800.

How much does it cost to rent in Bainbridge?

Typical rent in Bainbridge is $791 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Decatur County is $1,002.

What is the FHA loan limit in Bainbridge?

Bainbridge uses the FHA limit for all of Decatur 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 Bainbridge?

The typical homeowner in Bainbridge pays $1,829 a year, according to the U.S. Census Bureau. That is 1.05% of the home’s value; in Decatur County, the rate is 0.95%.

Where can I find free help to buy or rent in Bainbridge?

We found no HUD-approved counseling agencies with an office in Decatur County; the nearest ones are on this page. 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).