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City · 20,905 residents · DeKalb County, Georgia

Candler-McAfee , Georgia

In Candler-McAfee, a typical home is worth $259,300 and typical rent is $1,498 a month. Compared with all of DeKalb County, the typical home value is 28% lower, typical household income is 20% lower, and the share of households that own their home is 7 points higher.

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  • Typical home value

    $259,300

    28% below the county

    15% below Georgia

    • Candler-McAfee
    • DeKalb
    • Georgia

  • Typical rent

    $1,498a month

    11% below the county

    8% above Georgia

    • Candler-McAfee
    • DeKalb
    • Georgia

  • Typical household income

    $64,699a year

    20% below the county

    16% below Georgia

    • Candler-McAfee
    • DeKalb
    • Georgia

  • Households that own their home

    65%

    7 points above the county

    About the same as Georgia

    • Candler-McAfee
    • DeKalb
    • Georgia

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

Candler-McAfee is in DeKalb County. The FHA loan limit ($718,750 for a one-unit home), the fair market rents and the help on this page are those of all of DeKalb County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Candler-McAfee apart

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

  1. The typical home in Candler-McAfee is worth $259,300, 28% less than in DeKalb County as a whole ($357,800).

  2. The typical household income in Candler-McAfee is $64,699, 20% less than in DeKalb County as a whole ($80,644).

  3. 65% of households in Candler-McAfee own their home, against 59% in DeKalb County.

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

The homes here

Housing in Candler-McAfee

What homes there are in Candler-McAfee, 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 houses, standing on their own, make up 69% of homes here, against 56% in DeKalb County.

Year built

The typical home in Candler-McAfee was built in 1963, 21 years before the typical one in DeKalb 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

The FHA limit for DeKalb County is high ($718,750): at least 97% of owner-occupied homes in Candler-McAfee are worth less than $500,000.

Monthly rent with utilities

With a mortgage

$1,519 a month

DeKalb County: $1,979 a month

Without a mortgage

$544 a month

DeKalb County: $715 a month

Owners with a mortgage

62%

DeKalb County: 70%

Owning costs less in Candler-McAfee: with a mortgage, the typical cost is $1,519 a month; in DeKalb County, $1,979. Without one, $544.

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

The typical home value in Candler-McAfee rose 127% since 2015–2019, more than in DeKalb County (66%).

The typical rent in Candler-McAfee rose 45% since 2015–2019, about the same as in DeKalb County (45%).

While home values in Candler-McAfee changed +127% and rent +45%, the typical household income rose 55%.

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

MeasureCandler-McAfeeDeKalb CountyGeorgiaUnited States
Rental vacancy 22.7%10.9%6.8%5.5%
Homeowner vacancy Unreliable estimate1.6%1.1%0.9%
More than one person per room Unreliable estimate2.9%2.4%3.4%
People per household 2.622.632.622.53
Drive alone 62%61%71%69%
Carpool 6%9%9%9%
Public transit 5%4%1%3%
Walk or bike Unreliable estimate2%1%3%
Work from home 21%23%16%15%
Other means Unreliable estimate2%2%2%
Typical commute 30 to 39 minutesUnreliable estimate20 to 29 minutes20 to 29 minutes

In Candler-McAfee, the rental vacancy rate is 22.7%; in DeKalb County, 10.9%.

A household in Candler-McAfee has 2.62 people on average, about the same as in DeKalb County (2.63).

In Candler-McAfee, 62% of workers drive alone to work; in DeKalb County, 61%.

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 Candler-McAfee?

A typical home costs more than the typical income allows

We start with a typical home in Candler-McAfee, worth $259,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 39% of the typical household income in Candler-McAfee, which is $64,699 a year. For that payment to be 28% of income, a household would need to earn about $91,243 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Candler-McAfee. 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 $9,076 (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

$2,129

at 7.18% · 30 years

Loan amount
$254,603
Total interest
$366,314
Paid off in
November 2056

Includes $4,379 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,510 a month

  • Tight

    $1,510 to $1,941 a month

  • Hard

    more than $1,941 a month

    Your payment · 39%

Compared with the typical household income in Candler-McAfee ($64,699 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,129
Principal & interest$1,725
Property tax$182
Home insurance$108
FHA mortgage insurance (MIP)$115

You need at least $9,076 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

Candler-McAfee and DeKalb County

Candler-McAfee is in DeKalb 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).

Candler-McAfee's own numbers

Typical home value
$259,300
Typical monthly rent
$1,498
Typical yearly household income
$64,699
Households that own their home
65%
Effective property tax rate
0.84%

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

Numbers for all of DeKalb County

FHA limit, one-unit home
$718,750
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,762
Price change over 5 years (FHFA)
+41%
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 DeKalb County.

Everything about DeKalb County

Buying

Buying a home in Candler-McAfee

A typical home in Candler-McAfee is worth $259,300: 28% below the county and 15% below Georgia. With the typical household income in Candler-McAfee ($64,699 a year), a typical home costs 4.0 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.

  • Candler-McAfee 4.0 years
  • DeKalb 4.4 years
  • Georgia 3.9 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in DeKalb County

According to FHFA’s house price index, home prices in DeKalb County rose 89% in the 10 years through 2025.

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

Period County Georgia U.S.
Last year (2025) +0.7% +2.2% +2.9%
5 years (2020–2025) +41% +58% +47%
10 years (2015–2025) +89% +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

Candler-McAfee next to DeKalb 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
  • Candler-McAfee $259,300
  • DeKalb $357,800
  • Georgia $303,300
  • United States $332,700
Typical monthly rent
  • Candler-McAfee $1,498
  • DeKalb $1,692
  • Georgia $1,393
  • United States $1,413
Typical yearly household income
  • Candler-McAfee $64,699
  • DeKalb $80,644
  • Georgia $77,353
  • United States $80,734
See the full table
Candler-McAfee next to DeKalb County and Georgia
Measure Candler-McAfee DeKalb County Georgia U.S.
Typical home value $259,300 $357,800 $303,300 $332,700
Typical monthly rent $1,498 $1,692 $1,393 $1,413
Typical yearly household income $64,699 $80,644 $77,353 $80,734
Households that own their home 65% 59% 66% 65%
Typical yearly property tax $2,174 $3,310 $2,341 $3,119
Effective property tax rate 0.84% 0.93% 0.77% 0.94%
Renters with high rent for their income 55% 59% 52% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below DeKalb 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 Candler-McAfee

For a typical $259,300 home in Candler-McAfee, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Candler-McAfee's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,129a month

    Least cash to close
    Down payment
    $9,076
    Cash to close
    $16,855
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $115

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

    Down payment
    $12,965
    Cash to close
    $20,744
    Rate
    7.18%
    Mortgage insurance
    PMI · $123

  • Conventional, 20% down, no PMI $1,695a month

    Down payment
    $51,860
    Cash to close
    $59,639
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,935a month

    Down payment
    $38,895
    Cash to close
    $46,674
    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 Candler-McAfee and for DeKalb County.

Property tax

Effective rate in Candler-McAfee

0.84%of the home’s value each year

$2,174 a year for the typical owner in Candler-McAfee.

  • Candler-McAfee 0.84%
  • DeKalb 0.93%
  • Georgia 0.77%

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

Exemptions and deadlines in Georgia

Flood risk in DeKalb County

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

Homes in the high-risk zone
0.9%
1,927
Of those, with NFIP insurance
72%
County Georgia U.S.
Homes in the high-risk zone 0.9% 2% 3.5%
Of those, with NFIP insurance 72% 43% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Candler-McAfee

Typical rent in Candler-McAfee is $1,498 a month: 11% below the county. In Candler-McAfee, 55% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of DeKalb County, by unit size. To pay the 2-bedroom one ($1,762 a month) without spending more than 30% of your income, you would need to earn $33.88 an hour working full time.

HUD fair market rent for all of DeKalb 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 $1,554 $29.88 $62,160
1 bedroom $1,619 $31.13 $64,760
2 bedrooms $1,762 $33.88 $70,480
3 bedrooms $2,099 $40.37 $83,960
4 bedrooms $2,493 $47.94 $99,720

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 Candler-McAfee

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Candler-McAfee is in ZIP code 30032.

For 2 bedrooms it is $1,490: $272 less than the fair market rent for DeKalb County ($1,762).

  • 30032 $1,490$1,780

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

Free help

Help to buy or rent in Candler-McAfee

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.

There are 8 HUD-approved agencies with an office in DeKalb County; 3 say they serve in Spanish.

A grandmother smiles, seated at home.

HUD counseling is free or low-cost

Assistance programs in Candler-McAfee

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

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

  • Help the People Program Housing Counseling Agency

    3567 Covington Hwy, Decatur · 3 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 5 more
    (404) 688-7766

  • Atlanta Legal Aid Society, Inc.

    246 Sycamore St, Decatur · 4 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 2 more
    (770) 817-7538

  • Resources for Residents and Communities of Georgia, Inc.

    100 Flat Shoals Ave SE, Atlanta · 5 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (404) 525-4130

Every agency in DeKalb County All counseling agencies in Georgia

Help in Spanish near Candler-McAfee

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 Candler-McAfee

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

  • Housing Authority of the County of Dekalb, GA Public housing and Section 8 vouchers (404) 270-2500

3 other authorities have an office in DeKalb County: see the list Source: HUD

Cities

Other cities in DeKalb County

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

Everything about DeKalb County Housing in Georgia
See 5 more cities in DeKalb County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to Candler-McAfee, with the typical home value.

Neighboring counties

If DeKalb 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 Candler-McAfee.

All guides
A man and two girls read a book together on the sofa.

Questions

Housing questions about Candler-McAfee

Short answers with the numbers for Candler-McAfee and all of DeKalb 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 Candler-McAfee?

The typical home value in Candler-McAfee is $259,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in DeKalb County it is $357,800.

How much does it cost to rent in Candler-McAfee?

Typical rent in Candler-McAfee is $1,498 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in DeKalb County is $1,762.

What is the FHA loan limit in Candler-McAfee?

Candler-McAfee uses the FHA limit for all of DeKalb County (2026): $718,750 for a one-unit home and $1,382,250 for a four-unit home.

How much property tax do owners pay in Candler-McAfee?

The typical homeowner in Candler-McAfee pays $2,174 a year, according to the U.S. Census Bureau. That is 0.84% of the home’s value; in DeKalb County, the rate is 0.93%.

Where can I find free help to buy or rent in Candler-McAfee?

There are 8 HUD-approved counseling agencies with an office in DeKalb County. 3 say they serve in Spanish. 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).