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City · 18,183 residents · Gordon County, Georgia

Calhoun , Georgia

In Calhoun, a typical home is worth $251,000 and typical rent is $873 a month. Compared with all of Gordon County, the typical home value is 13% higher, typical household income is 8% lower, and the share of households that own their home is 18 points lower.

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  • Typical home value

    $251,000

    13% above the county

    17% below Georgia

    • Calhoun
    • Gordon
    • Georgia

  • Typical rent

    $873a month

    7% below the county

    37% below Georgia

    • Calhoun
    • Gordon
    • Georgia

  • Typical household income

    $58,750a year

    8% below the county

    24% below Georgia

    • Calhoun
    • Gordon
    • Georgia

  • Households that own their home

    56%

    18 points below the county

    10 points below Georgia

    • Calhoun
    • Gordon
    • Georgia

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

Market now, with Zillow data

Zillow data
Typical home value
$273,982
2.6% more than 12 months ago
Typical rent
$1,605 a month
5% more than 12 months ago

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

Calhoun is in Gordon 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 Gordon County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Calhoun apart

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

  1. Nearby, in LaFayette, the typical home value is $144,800: 42% less than in Calhoun ($251,000).

  2. 56% of households in Calhoun own their home, against 74% in Gordon County.

  3. According to Zillow, in the 12 months to September 2026 the typical home value in Calhoun rose 2.6%; 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 Calhoun

What homes there are in Calhoun, 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 Calhoun, 7 in 10 homes are single-family detached houses; in Gordon County, 8.

Year built

In Calhoun, half of the homes were built before 1986; in Gordon County, before 1987.

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

$1,372 a month

Gordon County: $1,387 a month

Without a mortgage

$552 a month

Gordon County: $471 a month

Owners with a mortgage

62%

Gordon County: 58%

Owning costs about the same in Calhoun as in Gordon County: with a mortgage, $1,372 a month; without one, $552.

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 Gordon County, the typical home value in Calhoun rose 66% since 2015–2019.

Rents in Calhoun rose at about the same pace as in Gordon County: 27% since 2015–2019, against 28%.

To compare: typical income in Calhoun rose 64%; the home, +66%; the rent, +27%.

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

MeasureCalhounGordon CountyGeorgiaUnited States
Rental vacancy Unreliable estimate10.6%6.8%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.1%0.9%
More than one person per room Unreliable estimate2.0%2.4%3.4%
People per household 2.702.742.622.53
Drive alone 86%83%71%69%
Carpool 6%8%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimateUnreliable estimate1%3%
Work from home 6%7%16%15%
Other means Unreliable estimateUnreliable estimate2%2%
Typical commute 10 to 19 minutesUnreliable estimate20 to 29 minutes20 to 29 minutes

By size, households in Calhoun look like those in Gordon County: 2.70 people on average.

The car rules in Calhoun: 86% of workers drive to work alone, and the typical trip takes 10 to 19 minutes.

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 Calhoun?

A typical home costs more than the typical income allows

We start with a typical home in Calhoun, worth $251,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 42% of the typical household income in Calhoun, which is $58,750 a year. For that payment to be 28% of income, a household would need to earn about $87,516 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Calhoun. 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 $8,785 (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

$2,042

at 7.18% · 30 years

Loan amount
$246,454
Total interest
$354,589
Paid off in
November 2056

Includes $4,239 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,371 a month

  • Tight

    $1,371 to $1,762 a month

  • Hard

    more than $1,762 a month

    Your payment · 42%

Compared with the typical household income in Calhoun ($58,750 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,042
Principal & interest$1,670
Property tax$157
Home insurance$105
FHA mortgage insurance (MIP)$111

You need at least $8,785 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

Calhoun and Gordon County

Calhoun is in Gordon 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).

Calhoun's own numbers

Typical home value
$251,000
Typical monthly rent
$873
Typical yearly household income
$58,750
Households that own their home
56%
Effective property tax rate
0.75%

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

Numbers for all of Gordon County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,013
Price change over 5 years (FHFA)
+67%
Homes in a high flood-risk zone
3.7%

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 Gordon County.

Everything about Gordon County

Buying

Buying a home in Calhoun

A typical home in Calhoun is worth $251,000: 13% above the county and 17% below Georgia. With the typical household income in Calhoun ($58,750 a year), a typical home costs 4.3 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.

  • Calhoun 4.3 years
  • Gordon 3.5 years
  • Georgia 3.9 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Gordon County

According to FHFA’s house price index, home prices in Gordon County rose 120% in the 10 years through 2025.

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

Period County Georgia U.S.
Last year (2025) +7.9% +2.2% +2.9%
5 years (2020–2025) +67% +58% +47%
10 years (2015–2025) +120% +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

Calhoun next to Gordon 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
  • Calhoun $251,000
  • Gordon $222,900
  • Georgia $303,300
  • United States $332,700
Typical monthly rent
  • Calhoun $873
  • Gordon $937
  • Georgia $1,393
  • United States $1,413
Typical yearly household income
  • Calhoun $58,750
  • Gordon $63,650
  • Georgia $77,353
  • United States $80,734
See the full table
Calhoun next to Gordon County and Georgia
Measure Calhoun Gordon County Georgia U.S.
Typical home value $251,000 $222,900 $303,300 $332,700
Typical monthly rent $873 $937 $1,393 $1,413
Typical yearly household income $58,750 $63,650 $77,353 $80,734
Households that own their home 56% 74% 66% 65%
Typical yearly property tax $1,871 $1,537 $2,341 $3,119
Effective property tax rate 0.75% 0.69% 0.77% 0.94%
Renters with high rent for their income 46% 42% 52% 51%

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

For a typical $251,000 home in Calhoun, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Calhoun's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,042a month

    Least cash to close
    Down payment
    $8,785
    Cash to close
    $16,315
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $111

  • Conventional, 5% down $1,996a month

    Down payment
    $12,550
    Cash to close
    $20,080
    Rate
    7.18%
    Mortgage insurance
    PMI · $119

  • Conventional, 20% down, no PMI $1,622a month

    Down payment
    $50,200
    Cash to close
    $57,730
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,854a month

    Down payment
    $37,650
    Cash to close
    $45,180
    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 Calhoun and for Gordon County.

Property tax

Effective rate in Calhoun

0.75%of the home’s value each year

$1,871 a year for the typical owner in Calhoun.

  • Calhoun 0.75%
  • Gordon 0.69%
  • Georgia 0.77%

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

Exemptions and deadlines in Georgia

Flood risk in Gordon County

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

Homes in the high-risk zone
3.7%
818
Of those, with NFIP insurance
10%
County Georgia U.S.
Homes in the high-risk zone 3.7% 2% 3.5%
Of those, with NFIP insurance 10% 43% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Calhoun

Typical rent in Calhoun is $873 a month: 7% below the county. In Calhoun, 46% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Gordon County, by unit size. To pay the 2-bedroom one ($1,013 a month) without spending more than 30% of your income, you would need to earn $19.48 an hour working full time.

HUD fair market rent for all of Gordon 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 $705 $13.56 $28,200
1 bedroom $859 $16.52 $34,360
2 bedrooms $1,013 $19.48 $40,520
3 bedrooms $1,403 $26.98 $56,120
4 bedrooms $1,646 $31.65 $65,840

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 Calhoun

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Calhoun is in ZIP code 30701.

For 2 bedrooms it is $1,080: $67 more than the fair market rent for Gordon County ($1,013).

  • 30701 $1,080$1,390

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

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

  • James Keene/C M Jones 215 Hillhouse Dr, Calhoun 30701 250 homes, 249 low-income · Run by Housing Authority of the City of Calhoun · Average payment: $455 a month · Average wait: 12 months · Homes at several sites (706) 629-9183
  • Calhoun Gardens Fka Ashton 110 Richardson Rd, Calhoun 30701 76 low-income homes · 1 bd: 49 · 2 bd: 22 · 3 bd: 5 · In service since 2005 · For older adults (706) 629-0941
  • Carriage Apartments 980A Red Bud Rd NE, Calhoun 30701 72 homes, 70 low-income · For families (706) 629-1393
  • Stone Ridge Apartments 4590 Fairmount Hwy SE, Calhoun 30701 64 low-income homes · 1 bd: 8 · 2 bd: 28 · 3 bd: 28 · For families (762) 441-0168
  • Calhoun Afford Housing 420 Richardson Rd SE, Calhoun 30701 56 low-income homes · 1 bd: 12 · 2 bd: 32 · 3 bd: 12 · In service since 2001

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

Free help

Help to buy or rent in Calhoun

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

A grandmother pushes her grandson on a playground swing.

HUD counseling is free or low-cost

Assistance programs in Calhoun

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

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

  • Dalton-Whitfield Community Dev. Corp.

    710 S Thornton Ave, Dalton · 18 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (706) 529-8270

  • Horizon Counseling Inc.

    135 Village Ctr W Ste 200, Woodstock · 39 miles away · Spanish

    • Reverse mortgage counseling
    (888) 315-4326

  • National Faith Homebuyers, Atlanta Branch

    2470 Windy Hill Rd SE, Marietta · 49 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    (678) 553-3770

All counseling agencies in Georgia

Help in Spanish near Calhoun

2 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 Calhoun

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

  • Housing Authority of the City of Calhoun Public housing (706) 629-9183

All housing agencies in Georgia Source: HUD

Cities

Nearby cities

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

Everything about Gordon County Housing in Georgia

Neighboring counties

If Gordon 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 Calhoun.

All guides
Two girls write and draw together at the living-room table.

Questions

Housing questions about Calhoun

Short answers with the numbers for Calhoun and all of Gordon 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 Calhoun?

The typical home value in Calhoun is $251,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Gordon County it is $222,900.

How much does it cost to rent in Calhoun?

Typical rent in Calhoun is $873 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Gordon County is $1,013.

What is the FHA loan limit in Calhoun?

Calhoun uses the FHA limit for all of Gordon 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 Calhoun?

The typical homeowner in Calhoun pays $1,871 a year, according to the U.S. Census Bureau. That is 0.75% of the home’s value; in Gordon County, the rate is 0.69%.

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

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