In Blakely, a typical home is worth $152,500 and typical rent is $765 a month. Compared with all of Early County, the typical home value is 16% higher, typical household income is 8% lower, and the share of households that own their home is 18 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $107,840 to $126,819.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Blakely is in Early 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 Early County. See the county
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: 44% less than in Blakely ($152,500).
2
According to Zillow, in the 12 months to September 2026 the typical home value in Blakely rose 7.3%; in Georgia, it fell 0.6%.
3
Blakely has the 7th lowest typical rent of the 162 cities in Georgia with more than 5,000 people ($765).
4
48% of households in Blakely own their home, against 67% in Early County.
5
The typical home in Blakely is worth $152,500,16% more than in Early County as a whole ($131,300).
Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data
The homes here
Housing in Blakely
What homes there are in Blakely, 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
Blakely
Early County
Georgia
United States
Kind of home: Blakely and its comparisons
Measure
Blakely
Early County
Georgia
United States
Detached house
72%
67%
66%
61%
Attached house
Unreliable estimate
Unreliable estimate
4%
6%
Building of 2 to 4
Unreliable estimate
Unreliable estimate
5%
8%
Apartments (5 or more)
Unreliable estimate
Unreliable estimate
16%
19%
Mobile home
18%
28%
8%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house rules in Blakely: 72% of homes, more than in Early County (67%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Blakely
Early County
Georgia
United States
Year built: Blakely and its comparisons
Measure
Blakely
Early County
Georgia
United States
Before 1960
21%
18%
12%
26%
1960–1979
23%
24%
20%
24%
1980–1999
38%
39%
33%
25%
2000–2009
12%
14%
21%
14%
2010 or later
Unreliable estimate
5%
14%
11%
In Blakely, half of the homes were built before 1983; in Early County, before 1986.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K37%
$100K–$200K36%
$200K–$300KUnreliable
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Blakely and its comparisons
Measure
Blakely
Under $100K
37%
$100K–$200K
36%
$200K–$300K
Unreliable estimate
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99966%
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Blakely and its comparisons
Measure
Blakely
Under $500
Unreliable estimate
$500–$999
66%
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,268 a month
Early County: $1,347 a month
Without a mortgage
$491 a month
Early County: $477 a month
Owners with a mortgage
49%
Early County: 40%
Owning costs less in Blakely: with a mortgage, the typical cost is $1,268 a month; in Early County, $1,347. Without one, $491.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Blakely+68%
Early County+51%
Georgia+72%
United States+53%
Typical rent
BlakelyNo clear change
Early CountyNo clear change
Georgia+39%
United States+33%
Typical household income
Blakely+124%
Early County+77%
Georgia+32%
United States+29%
Change since 2015–2019: Blakely and its comparisons
Measure
Blakely
Early County
Georgia
United States
Typical home value
+68%
+51%
+72%
+53%
Typical rent
No clear change
No clear change
+39%
+33%
Typical household income
+124%
+77%
+32%
+29%
From 2015–2019 to 2020–2024, the typical home value in Blakely rose 68%; in Early County, it rose 51%.
Rent in Blakely moved so little since 2015–2019 that the Census cannot say whether it rose or fell.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Blakely and its comparisons
Measure
Blakely
Early County
Georgia
United States
Rental vacancy
Unreliable estimate
Unreliable estimate
6.8%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
1.1%
0.9%
More than one person per room
Unreliable estimate
Unreliable estimate
2.4%
3.4%
People per household
2.77
2.55
2.62
2.53
Drive alone
84%
84%
71%
69%
Carpool
Unreliable estimate
9%
9%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
Unreliable estimate
1%
3%
Work from home
Unreliable estimate
Unreliable estimate
16%
15%
Other means
Unreliable estimate
Unreliable estimate
2%
2%
Typical commute
Unreliable estimate
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
On average, a household in Blakely has 2.77 people, more than in Early County (2.55).
In Blakely, 84% of workers drive alone to work; in Early County, 84%.
Do the math
What would you pay each month for a home in Blakely?
A typical home is tight for the typical income
We start with a typical home in Blakely, worth $152,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 30% of the typical household income in Blakely, which is $49,821 a year. For that payment to be 28% of income, a household would need to earn about $53,662 a year.
The calculator's FHA and conventional loan limits are those of all of Early 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 Blakely. 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 $5,338 (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
$1,252
at 7.18% · 30 years
Loan amount
$149,737
Total interest
$215,437
Paid off in
November 2056
Includes $2,575 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,162 a month
Tight
$1,162 to $1,495 a month
Your payment · 30%
Hard
more than $1,495 a month
Compared with the typical household income in Blakely ($49,821 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,014
Property tax
$107
Home insurance
$64
FHA mortgage insurance (MIP)
$67
You need at least $5,338 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 $1,252; principal and interest $1,014.
The city and its county
Blakely and Early County
Blakely is in Early 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).
Blakely
Map of Early County, Georgia, with Blakely marked. Around it, the neighboring counties.
Blakely
Early County
Blakely's own numbers
Typical home value
$152,500
Typical monthly rent
$765
Typical yearly household income
$49,821
Households that own their home
48%
Effective property tax rate
0.84%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Early County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,002
Homes in a high flood-risk zone
3.2%
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 Early County.
A typical home in Blakely is worth $152,500: 16% above the county and 50% below Georgia. With the typical household income in Blakely ($49,821 a year), a typical home costs 3.1 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.
Blakely3.1 years
Early2.4 years
Georgia3.9 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Early County
FHFA publishes no annual price index in Early County. That usually happens when there are too few sales to measure it.
FHFA does not publish this index by city: these are the numbers for all of Early County.
Yearly change in FHFA’s price index in Early County, 2016 to 2025
2016: −1.2% −1.2% 2016
2017: +10.5% +10.5% 2017
2018: +2.9% +2.9% 2018
2019: +5.2% +5.2% 2019
2020: +1.0% +1.0% 2020
2021: +15.0% +15.0% 2021
2022: −2.8% −2.8% 2022
2023: — — 2023
2024: — — 2024
2025: — — 2025
Change in FHFA’s price index in Early County, Georgia and the United States
Period
County
Georgia
U.S.
Last year (2025)
—
+2.2%
+2.9%
5 years (2020–2025)
—
+58%
+47%
10 years (2015–2025)
—
+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
Blakely next to Early 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
Blakely$152,500
Early$131,300
Georgia$303,300
United States$332,700
Typical monthly rent
Blakely$765
Early$791
Georgia$1,393
United States$1,413
Typical yearly household income
Blakely$49,821
Early$54,083
Georgia$77,353
United States$80,734
See the full table
Blakely next to Early County and Georgia
Measure
Blakely
Early County
Georgia
U.S.
Typical home value
$152,500 ▲16% above the county
$131,300
$303,300
$332,700
Typical monthly rent
$765 ▼3% below the county
$791
$1,393
$1,413
Typical yearly household income
$49,821 ▼8% below the county
$54,083
$77,353
$80,734
Households that own their home
48% ▼18 points below the county
67%
66%
65%
Typical yearly property tax
$1,280 ▲18% above the county
$1,081
$2,341
$3,119
Effective property tax rate
0.84% ▲0.02 points above the county
0.82%
0.77%
0.94%
Renters with high rent for their income
49% ▼4 points below the county
53%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Early 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 Blakely
For a typical $152,500 home in Blakely, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Blakely's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,252a month
Least cash to close
Down payment
$5,338
Cash to close
$9,913
Rate
7.18%
Mortgage insurance
FHA MIP · $67
Conventional, 5% down$1,224a month
Down payment
$7,625
Cash to close
$12,200
Rate
7.18%
Mortgage insurance
PMI · $72
Conventional, 20% down, no PMI$997a month
Down payment
$30,500
Cash to close
$35,075
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,138a month
Down payment
$22,875
Cash to close
$27,450
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Blakely
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,252
$5,338
$149,738
7.18%
FHA MIP · $67
$9,913
580
Conventional, 5% down
$1,224
$7,625
$144,875
7.18%
PMI · $72
$12,200
620*
Conventional, 20% down, no PMI
$997
$30,500
$122,000
7.18%
None
$35,075
620*
ITIN, 15% down (example)
$1,138
$22,875
$129,625
8.18%
None
$27,450
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 Blakely is $765 a month: 3% below the county. In Blakely, 49% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Early 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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Early County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$812
$15.62
$32,480
1 bedroom
$920
$17.69
$36,800
2 bedrooms
$1,002
$19.27
$40,080
3 bedrooms
$1,387
$26.67
$55,480
4 bedrooms
$1,532
$29.46
$61,280
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 Blakely
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Blakely is in ZIP code 39823.
For 2 bedrooms it is $1,010: $8 more than the fair market rent for Early County ($1,002).
Fair market rent by ZIP code and size in Blakely, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
39823
$820
$930
$1,010
$1,400
$1,540
ZIP code2 bd3 bd
39823 $1,010$1,400
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Blakely 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)
HUD lists 3 buildings with rents for lower incomes in Blakely. These are the largest.
Baptist Branch Homes411 Damascus St, Blakely 39823159 low-income homes · Run by Housing Authority of the City of Blakely · Average payment: $308 a month · Average wait: 25 months(229) 723-3446
Tanglewood Apartments468 E Liberty St, Blakely 3982351 homes, 49 low-income · 1 bd: 16 · 2 bd: 22 · 3 bd: 13 · In service since 2012 · For families
Blakely Commons89 Blakely Commons Cir, Blakely 3982364 homes · In service since 2008
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 Early County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Blakely or Early County. The ones below are statewide in Georgia: they work in Blakely the same as in the rest of the state.
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.
No legal help resource on our list is for Blakely or Early County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Blakely and all of Early 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 Blakely?
The typical home value in Blakely is $152,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Early County it is $131,300.
How much does it cost to rent in Blakely?
Typical rent in Blakely is $765 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Early County is $1,002.
What is the FHA loan limit in Blakely?
Blakely uses the FHA limit for all of Early 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 Blakely?
The typical homeowner in Blakely pays $1,280 a year, according to the U.S. Census Bureau. That is 0.84% of the home’s value; in Early County, the rate is 0.82%.
Where can I find free help to buy or rent in Blakely?
We found no HUD-approved counseling agencies with an office in Early County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
