Español

Este sitio también está en español. Leer en español

City · 5,124 residents · Mitchell County, Georgia

Camilla , Georgia

In Camilla, a typical home is worth $85,400 and typical rent is $794 a month. Compared with all of Mitchell County, the typical home value is 19% lower and the share of households that own their home is 29 points lower.

WhatsApp

  • Typical home value

    $85,400

    19% below the county

    72% below Georgia

    • Camilla
    • Mitchell
    • Georgia

  • Typical rent

    $794a month

    About the same as the county

    43% below Georgia

    • Camilla
    • Mitchell
    • Georgia

  • Households that own their home

    36%

    29 points below the county

    29 points below Georgia

    • Camilla
    • Mitchell
    • Georgia

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

Market now, with Zillow data

Zillow data
Typical home value
$148,111
about the same as 12 months ago

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

Camilla is in Mitchell 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 Mitchell County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Camilla apart

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

  1. 36% of households in Camilla own their home, against 65% in Mitchell County.

  2. Camilla has the 2nd lowest typical home value of the 164 cities in Georgia with more than 5,000 people ($85,400).

  3. 12% of households in Camilla have no internet at home (17% in Mitchell County).

  4. Camilla has the 15th lowest typical rent of the 162 cities in Georgia with more than 5,000 people ($794).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Camilla

What homes there are in Camilla, 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

The detached house is still the most common home in Camilla, but it weighs less than in Mitchell County: 53% against 60%.

Year built

The typical home in Camilla was built in 1973, 5 years before the typical one in Mitchell County.

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

HUD's 2-bedroom fair market rent for Mitchell County is high ($1,002): at least 82% of rents in Camilla cost less than $1,000.

With a mortgage

$1,110 a month

Mitchell County: $1,253 a month

Without a mortgage

$389 a month

Mitchell County: $413 a month

Owners with a mortgage

52%

Mitchell County: 43%

The typical cost for an owner with a mortgage in Camilla is $1,110 a month, less than in Mitchell County ($1,253); without one, $389.

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

From 2015–2019 to 2020–2024, the typical home value in Camilla did not change clearly: the difference is within the Census margin of error.

Rents in Camilla rose faster than in Mitchell County: 31% since 2015–2019, against 25%.

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

MeasureCamillaMitchell 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 2.392.502.622.53
Drive alone 81%85%71%69%
Carpool 13%11%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimateUnreliable estimate1%3%
Work from home Unreliable estimate3%16%15%
Other means Unreliable estimateUnreliable estimate2%2%
Typical commute Unreliable estimateUnreliable estimate20 to 29 minutes20 to 29 minutes

Much as in Mitchell County, a household in Camilla has 2.39 people on average.

To get to work, 81% of workers in Camilla drive alone; in Mitchell County, 85%.

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 Camilla?

The Census Bureau publishes no typical home value or typical household income for Camilla, so we don't measure how heavy the payment is. Enter your own numbers in the calculator. The calculator starts with the typical home value in Camilla: $85,400. The rate is Freddie Mac’s weekly average (7.18%, November 5, 2026); yours may be different. The FHA and conventional loan limits are those of all of Mitchell County. Change the price, the down payment or the loan type and see how your payment changes.

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

Your numbers

Local data
$

Starts at the typical home value in Camilla. 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 $2,989 (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

$740

at 7.18% · 30 years

Loan amount
$83,853
Total interest
$120,645
Paid off in
November 2056

Includes $1,442 FHA upfront mortgage insurance premium.

Does it fit the income?

Type your income to see which tier this payment lands in.

Show the result as
per month$740
Principal & interest$568
Property tax$98
Home insurance$36
FHA mortgage insurance (MIP)$38

You need at least $2,989 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

Camilla and Mitchell County

Camilla is in Mitchell 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).

Camilla's own numbers

Typical home value
$85,400
Typical monthly rent
$794
Households that own their home
36%
Effective property tax rate
1.38%

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

Numbers for all of Mitchell 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)
+54%
Homes in a high flood-risk zone
9.8%

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 Mitchell County.

Everything about Mitchell County

Buying

Buying a home in Camilla

A typical home in Camilla is worth $85,400: 19% below the county and 72% below Georgia.

How prices have changed in Mitchell County

According to FHFA’s house price index, home prices in Mitchell County rose 61% in the 10 years through 2025.

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

Period County Georgia U.S.
Last year (2025) — +2.2% +2.9%
5 years (2020–2025) +54% +58% +47%
10 years (2015–2025) +61% +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

Camilla next to Mitchell 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
  • Camilla $85,400
  • Mitchell $106,000
  • Georgia $303,300
  • United States $332,700
Typical monthly rent
  • Camilla $794
  • Mitchell $797
  • Georgia $1,393
  • United States $1,413
See the full table
Camilla next to Mitchell County and Georgia
Measure Camilla Mitchell County Georgia U.S.
Typical home value $85,400 $106,000 $303,300 $332,700
Typical monthly rent $794 $797 $1,393 $1,413
Households that own their home 36% 65% 66% 65%
Typical yearly property tax $1,176 $1,402 $2,341 $3,119
Effective property tax rate 1.38% 1.32% 0.77% 0.94%
Renters with high rent for their income 57% 51% 52% 51%

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

For a typical $85,400 home in Camilla, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Camilla's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $740a month

    Least cash to close
    Down payment
    $2,989
    Cash to close
    $5,551
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $38

  • Conventional, 5% down $724a month

    Down payment
    $4,270
    Cash to close
    $6,832
    Rate
    7.18%
    Mortgage insurance
    PMI · $41

  • Conventional, 20% down, no PMI $597a month

    Down payment
    $17,080
    Cash to close
    $19,642
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $676a month

    Down payment
    $12,810
    Cash to close
    $15,372
    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 Camilla and for Mitchell County.

Property tax

Effective rate in Camilla

1.38%of the home’s value each year

$1,176 a year for the typical owner in Camilla.

  • Camilla 1.38%
  • Mitchell 1.32%
  • Georgia 0.77%

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

Exemptions and deadlines in Georgia

Flood risk in Mitchell County

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

Homes in the high-risk zone
9.8%
921
Of those, with NFIP insurance
13%
County Georgia U.S.
Homes in the high-risk zone 9.8% 2% 3.5%
Of those, with NFIP insurance 13% 43% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Camilla

Typical rent in Camilla is $794 a month: about the same as the county. In Camilla, 57% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Mitchell 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 Mitchell 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 $825 $15.87 $33,000
1 bedroom $920 $17.69 $36,800
2 bedrooms $1,002 $19.27 $40,080
3 bedrooms $1,372 $26.38 $54,880
4 bedrooms $1,610 $30.96 $64,400

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 Camilla

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Camilla is in ZIP code 31730.

For 2 bedrooms it is $1,020: $18 more than the fair market rent for Mitchell County ($1,002).

  • 31730 $1,020$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 Camilla 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 Camilla

HUD lists 8 buildings with rents for lower incomes in Camilla. These are the largest.

  • Borders Homes 134 West Cir, Camilla 31730 230 low-income homes · Run by Housing Authority of the City of Camilla · Average payment: $300 a month · Average wait: 13 months (912) 336-8543
  • Jester Homes 400 Pecan Dr, Camilla 31730 100 low-income homes · For families
  • Southfork Apts 500 S Macarthur Dr, Camilla 31730 80 low-income homes · In service since 1999
  • Jester Homes 455 S Harney St, Camilla 31730 76 low-income homes · Run by Housing Authority of the City of Camilla · Average payment: $272 a month · Average wait: 22 months (912) 336-8543
  • NEW Jester Homes I I 294 Palmer St, Camilla 31730 29 low-income homes · Run by Housing Authority of the City of Camilla · Average payment: $286 a month · Average wait: 10 months (912) 336-8543

See all 12 buildings in Mitchell County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Camilla

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

A young man and a young woman look something up together on a laptop.

HUD counseling is free or low-cost

Assistance programs in Camilla

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

The HUD-approved agencies closest to the center of Camilla, 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 · 24 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 · 24 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 · 30 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 Camilla

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 Camilla

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

  • Housing Authority of the City of Camilla Public housing (912) 336-8543

2 other authorities have an office in Mitchell County: see the list Source: HUD

Cities

Nearby cities

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

Everything about Mitchell County Housing in Georgia

Neighboring counties

If Mitchell 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 Camilla.

All guides
A mother holds her laughing daughter on a grey sofa.

Questions

Housing questions about Camilla

Short answers with the numbers for Camilla and all of Mitchell 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 Camilla?

The typical home value in Camilla is $85,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Mitchell County it is $106,000.

How much does it cost to rent in Camilla?

Typical rent in Camilla is $794 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Mitchell County is $1,002.

What is the FHA loan limit in Camilla?

Camilla uses the FHA limit for all of Mitchell 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 Camilla?

The typical homeowner in Camilla pays $1,176 a year, according to the U.S. Census Bureau. That is 1.38% of the home’s value; in Mitchell County, the rate is 1.32%.

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

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