In Cairo, a typical home is worth $108,800 and typical rent is $778 a month. Compared with all of Grady County, typical household income is 31% lower, the typical home value is 29% 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 $155,276 to $186,242.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Cairo is in Grady 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 Grady County. See the county
What this place has that others do not, from public data, most unusual first.
1
Cairo has the 5th lowest typical home value of the 164 cities in Georgia with more than 5,000 people ($108,800).
2
According to Zillow, in the 12 months to September 2026 the typical home value in Cairo rose 9%; in Georgia, it fell 0.6%.
3
48% of households in Cairo own their home, against 66% in Grady County.
4
The typical household income in Cairo is $40,920,31% less than in Grady County as a whole ($58,980).
5
Nearby, in Camilla, the typical home value is $85,400: 22% less than in Cairo ($108,800).
6
Cairo has the 10th lowest typical rent of the 162 cities in Georgia with more than 5,000 people ($778).
Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data
The homes here
Housing in Cairo
What homes there are in Cairo, 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
Cairo
Grady County
Georgia
United States
Kind of home: Cairo and its comparisons
Measure
Cairo
Grady County
Georgia
United States
Detached house
65%
61%
66%
61%
Attached house
Unreliable estimate
Unreliable estimate
4%
6%
Building of 2 to 4
10%
4%
5%
8%
Apartments (5 or more)
Unreliable estimate
Unreliable estimate
16%
19%
Mobile home
13%
31%
8%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Cairo, 7 in 10 homes are single-family detached houses; in Grady County, 6.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Cairo
Grady County
Georgia
United States
Year built: Cairo and its comparisons
Measure
Cairo
Grady County
Georgia
United States
Before 1960
21%
15%
12%
26%
1960–1979
23%
23%
20%
24%
1980–1999
40%
35%
33%
25%
2000–2009
11%
17%
21%
14%
2010 or later
Unreliable estimate
11%
14%
11%
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K47%
$100K–$200K31%
$200K–$300K12%
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Cairo and its comparisons
Measure
Cairo
Under $100K
47%
$100K–$200K
31%
$200K–$300K
12%
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $50022%
$500–$99947%
$1,000–$1,49929%
HUD fair market rent, 2 bedrooms: $1,002
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Cairo and its comparisons
Measure
Cairo
Under $500
22%
$500–$999
47%
$1,000–$1,499
29%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
About 69% of rented homes in Cairo cost less than HUD's 2-bedroom fair market rent for Grady County ($1,002).
With a mortgage
$1,255 a month
Grady County: $1,351 a month
Without a mortgage
$534 a month
Grady County: $496 a month
Owners with a mortgage
43%
Grady County: 49%
In Cairo, 43% of owners have a mortgage, and their typical cost is $1,255 a month, against $1,351 in Grady County. Without one it drops to $534.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
CairoNo clear change
Grady County+27%
Georgia+72%
United States+53%
Typical rent
CairoNo clear change
Grady CountyNo clear change
Georgia+39%
United States+33%
Typical household income
CairoNo clear change
Grady County+36%
Georgia+32%
United States+29%
Change since 2015–2019: Cairo and its comparisons
Measure
Cairo
Grady County
Georgia
United States
Typical home value
No clear change
+27%
+72%
+53%
Typical rent
No clear change
No clear change
+39%
+33%
Typical household income
No clear change
+36%
+32%
+29%
From 2015–2019 to 2020–2024, the typical home value in Cairo did not change clearly: the difference is within the Census margin of error.
Rent in Cairo 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: Cairo and its comparisons
Measure
Cairo
Grady 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
6.4%
3.9%
2.4%
3.4%
People per household
2.82
2.57
2.62
2.53
Drive alone
84%
82%
71%
69%
Carpool
13%
14%
9%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
Unreliable estimate
1%
3%
Work from home
Unreliable estimate
4%
16%
15%
Other means
Unreliable estimate
Unreliable estimate
2%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
More households are short on space in Cairo: 6.4% have more than one person per room; in Grady County, 3.9%.
More people live in each home here: 2.82 on average, against 2.57 in Grady County.
In Cairo, 84% of workers drive alone to work; in Grady County, 82%.
Do the math
What would you pay each month for a home in Cairo?
A typical home is within reach of the typical income
We start with a typical home in Cairo, worth $108,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 27% of the typical household income in Cairo, which is $40,920 a year.
The calculator's FHA and conventional loan limits are those of all of Grady 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 Cairo. 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 $3,808 (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
$935
at 7.18% · 30 years
Loan amount
$106,829
Total interest
$153,702
Paid off in
November 2056
Includes $1,837 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $955 a month
Your payment · 27%
Tight
$955 to $1,228 a month
Hard
more than $1,228 a month
Compared with the typical household income in Cairo ($40,920 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$724
Property tax
$118
Home insurance
$45
FHA mortgage insurance (MIP)
$48
You need at least $3,808 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 $935; principal and interest $724.
The city and its county
Cairo and Grady County
Cairo is in Grady 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).
Cairo
Map of Grady County, Georgia, with Cairo marked. Around it, the neighboring counties.
Cairo
Grady County
Other cities with a page
Cairo's own numbers
Typical home value
$108,800
Typical monthly rent
$778
Typical yearly household income
$40,920
Households that own their home
48%
Effective property tax rate
1.3%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Grady 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)
+48%
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 Grady County.
A typical home in Cairo is worth $108,800: 29% below the county and 64% below Georgia. With the typical household income in Cairo ($40,920 a year), a typical home costs 2.7 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.
Cairo2.7 years
Grady2.6 years
Georgia3.9 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Grady County
According to FHFA’s house price index, home prices in Grady County rose 72% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Grady County.
Yearly change in FHFA’s price index in Grady County, 2016 to 2025
2016: +1.1% +1.1% 2016
2017: +1.0% +1.0% 2017
2018: +1.9% +1.9% 2018
2019: +4.5% +4.5% 2019
2020: +6.8% +6.8% 2020
2021: +6.6% +6.6% 2021
2022: +19.4% +19.4% 2022
2023: +9.2% +9.2% 2023
2024: +6.6% +6.6% 2024
2025: +0.2% +0.2% 2025
Change in FHFA’s price index in Grady County, Georgia and the United States
Period
County
Georgia
U.S.
Last year (2025)
+0.2%
+2.2%
+2.9%
5 years (2020–2025)
+48%
+58%
+47%
10 years (2015–2025)
+72%
+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
Cairo next to Grady 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
Cairo$108,800
Grady$152,400
Georgia$303,300
United States$332,700
Typical monthly rent
Cairo$778
Grady$779
Georgia$1,393
United States$1,413
Typical yearly household income
Cairo$40,920
Grady$58,980
Georgia$77,353
United States$80,734
See the full table
Cairo next to Grady County and Georgia
Measure
Cairo
Grady County
Georgia
U.S.
Typical home value
$108,800 ▼29% below the county
$152,400
$303,300
$332,700
Typical monthly rent
$778
$779
$1,393
$1,413
Typical yearly household income
$40,920 ▼31% below the county
$58,980
$77,353
$80,734
Households that own their home
48% ▼18 points below the county
66%
66%
65%
Typical yearly property tax
$1,410
$1,386
$2,341
$3,119
Effective property tax rate
1.3% ▲0.39 points above the county
0.91%
0.77%
0.94%
Renters with high rent for their income
53% ▲11 points above the county
42%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Grady 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 Cairo
For a typical $108,800 home in Cairo, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Cairo's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$935a month
Least cash to close
Down payment
$3,808
Cash to close
$7,072
Rate
7.18%
Mortgage insurance
FHA MIP · $48
Conventional, 5% down$915a month
Down payment
$5,440
Cash to close
$8,704
Rate
7.18%
Mortgage insurance
PMI · $52
Conventional, 20% down, no PMI$753a month
Down payment
$21,760
Cash to close
$25,024
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$853a month
Down payment
$16,320
Cash to close
$19,584
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Cairo
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$935
$3,808
$106,829
7.18%
FHA MIP · $48
$7,072
580
Conventional, 5% down
$915
$5,440
$103,360
7.18%
PMI · $52
$8,704
620*
Conventional, 20% down, no PMI
$753
$21,760
$87,040
7.18%
None
$25,024
620*
ITIN, 15% down (example)
$853
$16,320
$92,480
8.18%
None
$19,584
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 Cairo is $778 a month: about the same as the county. In Cairo, 53% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Grady 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 Grady County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$761
$14.63
$30,440
1 bedroom
$766
$14.73
$30,640
2 bedrooms
$1,002
$19.27
$40,080
3 bedrooms
$1,369
$26.33
$54,760
4 bedrooms
$1,571
$30.21
$62,840
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 Cairo
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Cairo is in ZIP code 39828.
For 2 bedrooms it is $1,040: $38 more than the fair market rent for Grady County ($1,002).
Fair market rent by ZIP code and size in Cairo, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
39828
$910
$950
$1,040
$1,370
$1,570
ZIP code2 bd3 bd
39828 $1,040$1,370
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Cairo 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.
We found no HUD-approved agencies with an office in Grady 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 Cairo or Grady County. The ones below are statewide in Georgia: they work in Cairo 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 Cairo or Grady 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 Cairo and all of Grady 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 Cairo?
The typical home value in Cairo is $108,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Grady County it is $152,400.
How much does it cost to rent in Cairo?
Typical rent in Cairo is $778 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Grady County is $1,002.
What is the FHA loan limit in Cairo?
Cairo uses the FHA limit for all of Grady 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 Cairo?
The typical homeowner in Cairo pays $1,410 a year, according to the U.S. Census Bureau. That is 1.3% of the home’s value; in Grady County, the rate is 0.91%.
Where can I find free help to buy or rent in Cairo?
We found no HUD-approved counseling agencies with an office in Grady County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
