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City · 24,074 residents · Bartow County, Georgia

Cartersville , Georgia

In Cartersville, a typical home is worth $338,200 and typical rent is $1,229 a month. Compared with all of Bartow County, the typical home value is 17% higher and the share of households that own their home is 14 points lower.

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  • Typical home value

    $338,200

    17% above the county

    12% above Georgia

    • Cartersville
    • Bartow
    • Georgia

  • Typical rent

    $1,229a month

    3% below the county

    12% below Georgia

    • Cartersville
    • Bartow
    • Georgia

  • Typical household income

    $84,437a year

    3% above the county

    9% above Georgia

    • Cartersville
    • Bartow
    • Georgia

  • Households that own their home

    59%

    14 points below the county

    6 points below Georgia

    • Cartersville
    • Bartow
    • Georgia

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

Market now, with Zillow data

Zillow data
Typical home value
$324,183
0.9% more than 12 months ago
Typical rent
$1,747 a month
2% more than 12 months ago

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

Cartersville is in Bartow 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 Bartow County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Cartersville apart

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

  1. Nearby, in Rockmart, the typical home value is $201,700: 40% less than in Cartersville ($338,200).

  2. 59% of households in Cartersville own their home, against 73% in Bartow County.

  3. Nearby, in Rockmart, the typical rent is $986: 20% less than in Cartersville ($1,229).

  4. The typical home in Cartersville is worth $338,200, 17% more than in Bartow County as a whole ($289,000).

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

The homes here

Housing in Cartersville

What homes there are in Cartersville, 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 the most common home in Cartersville: 74% of homes, near the figure in Bartow County (77%).

Year built

Homes in Cartersville are older: the typical year built is 1990; in Bartow County, 1994.

There are fewer big homes in Cartersville than in Bartow County: 64% have 3 bedrooms or more, against 75%.

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

$1,915 a month

Bartow County: $1,646 a month

Without a mortgage

$601 a month

Bartow County: $529 a month

Owners with a mortgage

67%

Bartow County: 63%

The typical cost for an owner with a mortgage in Cartersville is $1,915 a month, more than in Bartow County ($1,646); without one, $601.

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 Cartersville rose 79% since 2015–2019, about the same as in Bartow County (76%).

Since 2015–2019, the typical rent in Cartersville rose 39%, more than in Bartow County (35%).

While home values in Cartersville changed +79% and rent +39%, the typical household income rose 64%.

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

MeasureCartersvilleBartow CountyGeorgiaUnited States
Rental vacancy Unreliable estimate10.4%6.8%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.1%0.9%
More than one person per room Unreliable estimate1.6%2.4%3.4%
People per household 2.522.752.622.53
Drive alone 79%75%71%69%
Carpool 8%11%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate1%1%3%
Work from home 11%11%16%15%
Other means Unreliable estimate1%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Fewer people live in each home here: 2.52 on average, against 2.75 in Bartow County.

To get to work, 79% of workers in Cartersville drive alone; in Bartow County, 75%.

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 Cartersville?

A typical home costs more than the typical income allows

We start with a typical home in Cartersville, worth $338,200, 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 Cartersville, which is $84,437 a year. For that payment to be 28% of income, a household would need to earn about $117,920 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Cartersville. 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 $11,837 (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

$2,752

at 7.18% · 30 years

Loan amount
$332,074
Total interest
$477,777
Paid off in
November 2056

Includes $5,711 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,970 a month

  • Tight

    $1,970 to $2,533 a month

  • Hard

    more than $2,533 a month

    Your payment · 39%

Compared with the typical household income in Cartersville ($84,437 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,752
Principal & interest$2,250
Property tax$211
Home insurance$141
FHA mortgage insurance (MIP)$150

You need at least $11,837 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

Cartersville and Bartow County

Cartersville is in Bartow 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).

Cartersville's own numbers

Typical home value
$338,200
Typical monthly rent
$1,229
Typical yearly household income
$84,437
Households that own their home
59%
Effective property tax rate
0.75%

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

Numbers for all of Bartow 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)
+65%
Homes in a high flood-risk zone
1.1%

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 Bartow County.

Everything about Bartow County

Buying

Buying a home in Cartersville

A typical home in Cartersville is worth $338,200: 17% above the county and 12% above Georgia. With the typical household income in Cartersville ($84,437 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.

  • Cartersville 4.0 years
  • Bartow 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 Bartow County

According to FHFA’s house price index, home prices in Bartow County rose 134% in the 10 years through 2025.

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

Period County Georgia U.S.
Last year (2025) +2.1% +2.2% +2.9%
5 years (2020–2025) +65% +58% +47%
10 years (2015–2025) +134% +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

Cartersville next to Bartow 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
  • Cartersville $338,200
  • Bartow $289,000
  • Georgia $303,300
  • United States $332,700
Typical monthly rent
  • Cartersville $1,229
  • Bartow $1,268
  • Georgia $1,393
  • United States $1,413
Typical yearly household income
  • Cartersville $84,437
  • Bartow $82,243
  • Georgia $77,353
  • United States $80,734
See the full table
Cartersville next to Bartow County and Georgia
Measure Cartersville Bartow County Georgia U.S.
Typical home value $338,200 $289,000 $303,300 $332,700
Typical monthly rent $1,229 $1,268 $1,393 $1,413
Typical yearly household income $84,437 $82,243 $77,353 $80,734
Households that own their home 59% 73% 66% 65%
Typical yearly property tax $2,539 $2,024 $2,341 $3,119
Effective property tax rate 0.75% 0.7% 0.77% 0.94%
Renters with high rent for their income 43% 47% 52% 51%

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

For a typical $338,200 home in Cartersville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Cartersville's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,751a month

    Least cash to close
    Down payment
    $11,837
    Cash to close
    $21,983
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $150

  • Conventional, 5% down $2,689a month

    Down payment
    $16,910
    Cash to close
    $27,056
    Rate
    7.18%
    Mortgage insurance
    PMI · $161

  • Conventional, 20% down, no PMI $2,185a month

    Down payment
    $67,640
    Cash to close
    $77,786
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,498a month

    Down payment
    $50,730
    Cash to close
    $60,876
    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 Cartersville and for Bartow County.

Property tax

Effective rate in Cartersville

0.75%of the home’s value each year

$2,539 a year for the typical owner in Cartersville.

  • Cartersville 0.75%
  • Bartow 0.7%
  • Georgia 0.77%

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

Exemptions and deadlines in Georgia

Flood risk in Bartow County

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

Homes in the high-risk zone
1.1%
434
Of those, with NFIP insurance
30%
County Georgia U.S.
Homes in the high-risk zone 1.1% 2% 3.5%
Of those, with NFIP insurance 30% 43% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Cartersville

Typical rent in Cartersville is $1,229 a month: 3% below the county. In Cartersville, 43% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Bartow 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 Bartow 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 Cartersville

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Cartersville has 2 ZIP codes with their own.

For 2 bedrooms it runs from $1,320 in 30120 to $1,370 in 30121.

None is above the fair market rent for Bartow County ($1,762).

  • 30120 $1,320$1,570
  • 30121 $1,370$1,630

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Cartersville 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 Cartersville

HUD lists 13 buildings with rents for lower incomes in Cartersville. These are the largest.

  • Cartersville - Etowah Housing Authority 240 Stonewall St, Cartersville 30120 299 low-income homes · For families (770) 382-1414
  • Cartersville Gardens 376 Old Mill Rd, Cartersville 30120 100 low-income homes · For older adults (770) 382-2588
  • Pace/Etowah Village 366 Old Mill Rd, Cartersville 30120 95 low-income homes · In service since 1997
  • Shangri-La Park 69 Gilreath Rd NW, Cartersville 30121 72 low-income homes · In service since 2011
  • Adairsville - Etowah Housing Authority 240 Stonewall St, Cartersville 30120 60 low-income homes · For families (770) 382-1414

See all 13 buildings in Bartow County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Cartersville

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

An older man and his daughter go over papers with a professional.

HUD counseling is free or low-cost

Assistance programs in Cartersville

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

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

  • Horizon Counseling Inc.

    135 Village Ctr W Ste 200, Woodstock · 20 miles away · Spanish

    • Reverse mortgage counseling
    (888) 315-4326

  • National Faith Homebuyers, Atlanta Branch

    2470 Windy Hill Rd SE, Marietta · 26 miles away

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

  • NSC (naca Counseling Subsidiary) - Atlanta, GA

    3690 N Peachtree Rd, Atlanta · 34 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (404) 377-4545

All counseling agencies in Georgia

Help in Spanish near Cartersville

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 Cartersville

In HUD’s record, no housing authority with an office in Bartow County is named for Cartersville or Bartow County.

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

Cities

Nearby cities

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

Everything about Bartow County Housing in Georgia

Neighboring counties

If Bartow 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 Cartersville.

All guides
A smiling girl holds up a small mushroom she found on a forest outing.

Questions

Housing questions about Cartersville

Short answers with the numbers for Cartersville and all of Bartow 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 Cartersville?

The typical home value in Cartersville is $338,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Bartow County it is $289,000.

How much does it cost to rent in Cartersville?

Typical rent in Cartersville is $1,229 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Bartow County is $1,762.

What is the FHA loan limit in Cartersville?

Cartersville uses the FHA limit for all of Bartow 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 Cartersville?

The typical homeowner in Cartersville pays $2,539 a year, according to the U.S. Census Bureau. That is 0.75% of the home’s value; in Bartow County, the rate is 0.7%.

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

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