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City · 5,971 residents · Peach County, Georgia

Byron , Georgia

In Byron, a typical home is worth $253,200. Compared with all of Peach County, the typical home value is 22% higher, typical household income is 20% higher, and the share of households that own their home is 22 points higher.

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  • Typical home value

    $253,200

    22% above the county

    17% below Georgia

    • Byron
    • Peach
    • Georgia

  • Typical household income

    $85,596a year

    20% above the county

    11% above Georgia

    • Byron
    • Peach
    • Georgia

  • Households that own their home

    91%

    22 points above the county

    26 points above Georgia

    • Byron
    • Peach
    • Georgia

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

Market now, with Zillow data

Zillow data
Typical home value
$267,088
2.9% more than 12 months ago
Typical rent
$1,513 a month
2% more than 12 months ago

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

Byron is in Peach 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 Peach County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Byron apart

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

  1. Byron has the 3rd highest homeownership rate of the 165 cities in Georgia with more than 5,000 people (91%).

  2. Nearby, in Fort Valley, the typical home value is $127,100: 50% less than in Byron ($253,200).

  3. According to Zillow, in the 12 months to September 2026 the typical home value in Byron rose 2.9%; in Georgia, it fell 0.6%.

  4. The typical home in Byron is worth $253,200, 22% more than in Peach County as a whole ($207,800).

  5. The typical household income in Byron is $85,596, 20% more than in Peach County as a whole ($71,293).

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

The homes here

Housing in Byron

What homes there are in Byron, 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 Byron, 10 in 10 homes are single-family detached houses; in Peach County, 7.

Year built

Here half of the homes date from 2006 or later; in Peach County, from 1987 or later.

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

$1,625 a month

Peach County: $1,613 a month

Without a mortgage

$544 a month

Peach County: $486 a month

Owners with a mortgage

84%

Peach County: 58%

The typical cost for an owner with a mortgage in Byron is $1,625 a month, near the figure in Peach County ($1,613).

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 Peach County, the typical home value in Byron rose 54% since 2015–2019.

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

MeasureByronPeach CountyGeorgiaUnited States
Rental vacancy Unreliable estimate7.7%6.8%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.1%0.9%
More than one person per room Unreliable estimate3.0%2.4%3.4%
People per household 2.552.562.622.53
Drive alone 66%75%71%69%
Carpool 6%9%9%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimateUnreliable estimate1%3%
Work from home 27%12%16%15%
Other means Unreliable estimateUnreliable estimate2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

A household in Byron has 2.55 people on average, about the same as in Peach County (2.56).

Working from home is more common in Byron: 27%, against 12% in Peach County.

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 Byron?

A typical home is tight for the typical income

We start with a typical home in Byron, worth $253,200, 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 Byron, which is $85,596 a year. For that payment to be 28% of income, a household would need to earn about $91,177 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Byron. 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 $8,862 (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

$2,127

at 7.18% · 30 years

Loan amount
$248,614
Total interest
$357,697
Paid off in
November 2056

Includes $4,276 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,997 a month

  • Tight

    $1,997 to $2,568 a month

    Your payment · 30%

  • Hard

    more than $2,568 a month

Compared with the typical household income in Byron ($85,596 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,127
Principal & interest$1,684
Property tax$226
Home insurance$106
FHA mortgage insurance (MIP)$112

You need at least $8,862 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

Byron and Peach County

Byron is in Peach 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).

Byron's own numbers

Typical home value
$253,200
Typical yearly household income
$85,596
Households that own their home
91%
Effective property tax rate
1.07%

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

Numbers for all of Peach County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,118
Price change over 5 years (FHFA)
+55%
Homes in a high flood-risk zone
0.5%

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 Peach County.

Everything about Peach County

Buying

Buying a home in Byron

A typical home in Byron is worth $253,200: 22% above the county and 17% below Georgia. With the typical household income in Byron ($85,596 a year), a typical home costs 3.0 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.

  • Byron 3.0 years
  • Peach 2.9 years
  • Georgia 3.9 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Peach County

According to FHFA’s house price index, home prices in Peach County rose 76% in the 10 years through 2025.

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

Period County Georgia U.S.
Last year (2025) −1.1% +2.2% +2.9%
5 years (2020–2025) +55% +58% +47%
10 years (2015–2025) +76% +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

Byron next to Peach 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
  • Byron $253,200
  • Peach $207,800
  • Georgia $303,300
  • United States $332,700
Typical yearly household income
  • Byron $85,596
  • Peach $71,293
  • Georgia $77,353
  • United States $80,734
See the full table
Byron next to Peach County and Georgia
Measure Byron Peach County Georgia U.S.
Typical home value $253,200 $207,800 $303,300 $332,700
Typical yearly household income $85,596 $71,293 $77,353 $80,734
Households that own their home 91% 70% 66% 65%
Typical yearly property tax $2,721 $2,117 $2,341 $3,119
Effective property tax rate 1.07% 1.02% 0.77% 0.94%

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

For a typical $253,200 home in Byron, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Byron's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,127a month

    Least cash to close
    Down payment
    $8,862
    Cash to close
    $16,458
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $112

  • Conventional, 5% down $2,081a month

    Down payment
    $12,660
    Cash to close
    $20,256
    Rate
    7.18%
    Mortgage insurance
    PMI · $120

  • Conventional, 20% down, no PMI $1,703a month

    Down payment
    $50,640
    Cash to close
    $58,236
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,938a month

    Down payment
    $37,980
    Cash to close
    $45,576
    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 Byron and for Peach County.

Property tax

Effective rate in Byron

1.07%of the home’s value each year

$2,721 a year for the typical owner in Byron.

  • Byron 1.07%
  • Peach 1.02%
  • Georgia 0.77%

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

Exemptions and deadlines in Georgia

Flood risk in Peach County

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

Homes in the high-risk zone
0.5%
55
Of those, with NFIP insurance
11%
County Georgia U.S.
Homes in the high-risk zone 0.5% 2% 3.5%
Of those, with NFIP insurance 11% 43% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Byron

The Census Bureau publishes no typical rent for Byron. Below are the fair market rents for Peach County.

HUD publishes a fair market rent for all of Peach County, by unit size. To pay the 2-bedroom one ($1,118 a month) without spending more than 30% of your income, you would need to earn $21.50 an hour working full time.

HUD fair market rent for all of Peach 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 $806 $15.50 $32,240
1 bedroom $1,027 $19.75 $41,080
2 bedrooms $1,118 $21.50 $44,720
3 bedrooms $1,437 $27.63 $57,480
4 bedrooms $1,469 $28.25 $58,760

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 Byron

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Byron is in ZIP code 31008.

For 2 bedrooms it is $1,380: $262 more than the fair market rent for Peach County ($1,118).

  • 31008 $1,380$1,770

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Byron 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 Byron

HUD lists 3 buildings with rents for lower incomes in Byron. These are the largest.

  • Byron Housing Authority 118 Boy Scout Rd, Byron 31008 32 low-income homes · Run by Housing Authority of the City of Byron · Average payment: $397 a month · Homes at several sites (478) 956-3135
  • Peach Place Aka Freedom Pointe Apts 201 Allred Rd, Byron 31008 60 homes · In service since 2014
  • Heathrow Senior Village 1000 Heathrow Way, Byron 31008 51 homes · 1 bd: 8 · 2 bd: 38 · 3 bd: 6 · In service since 2006

See all 14 buildings in Peach County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Byron

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 Peach County. The nearest ones are below; many serve by phone or online.

A pregnant woman reads paperwork on the sofa while the grandmother plays with the girl on the floor.

HUD counseling is free or low-cost

Assistance programs in Byron

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

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

  • Homefirst Housing Resource Services, Inc.

    688 Walnut St, Macon · 15 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (478) 219-3957

  • Telamon Corporation - Macon Branch

    2150 Northside Xing, Macon · 17 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    (919) 899-9911

  • Veterans Center

    320 Lanier Ave W, Fayetteville · 69 miles away

    Also serves in Creole, French, and other languages.

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 9 more
    (678) 792-8387

All counseling agencies in Georgia

Help in Spanish near Byron

None of the 3 agencies on this list say they serve 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 Byron

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

  • Housing Authority of the City of Byron Public housing (478) 956-3135

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

Cities

Other cities in Peach County

These cities are also in Peach County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Peach County Housing in Georgia

Nearby cities

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

Neighboring counties

If Peach 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 Byron.

All guides
A father holds his baby and his young son by a white picket fence.

Questions

Housing questions about Byron

Short answers with the numbers for Byron and all of Peach 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 Byron?

The typical home value in Byron is $253,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Peach County it is $207,800.

What is the FHA loan limit in Byron?

Byron uses the FHA limit for all of Peach 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 Byron?

The typical homeowner in Byron pays $2,721 a year, according to the U.S. Census Bureau. That is 1.07% of the home’s value; in Peach County, the rate is 1.02%.

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

We found no HUD-approved counseling agencies with an office in Peach 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).