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City · 10,227 residents · Polk County, Georgia

Cedartown , Georgia

In Cedartown, a typical home is worth $147,200 and typical rent is $896 a month. Compared with all of Polk County, typical household income is 41% lower, the typical home value is 22% lower, and the share of households that own their home is 23 points lower.

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  • Typical home value

    $147,200

    22% below the county

    51% below Georgia

    • Cedartown
    • Polk
    • Georgia

  • Typical rent

    $896a month

    2% below the county

    36% below Georgia

    • Cedartown
    • Polk
    • Georgia

  • Typical household income

    $34,754a year

    41% below the county

    55% below Georgia

    • Cedartown
    • Polk
    • Georgia

  • Households that own their home

    43%

    23 points below the county

    22 points below Georgia

    • Cedartown
    • Polk
    • Georgia

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

Market now, with Zillow data

Zillow data
Typical home value
$204,442
3.7% more than 12 months ago

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

Cedartown is in Polk 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 Polk County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Cedartown apart

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

  1. Cedartown has the 3rd lowest typical household income of the 162 cities in Georgia with more than 5,000 people ($34,754).

  2. 43% of households in Cedartown own their home, against 66% in Polk County.

  3. According to Zillow, in the 12 months to September 2026 the typical home value in Cedartown rose 3.7%; in Georgia, it fell 0.6%.

  4. The typical home in Cedartown is worth $147,200, 22% less than in Polk County as a whole ($187,600).

Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data

The homes here

Housing in Cedartown

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

Year built

The typical home in Cedartown was built in 1974, 9 years before the typical one in Polk 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

With a mortgage

$1,340 a month

Polk County: $1,428 a month

Without a mortgage

$521 a month

Polk County: $502 a month

Owners with a mortgage

52%

Polk County: 47%

Owning costs less in Cedartown: with a mortgage, the typical cost is $1,340 a month; in Polk County, $1,428. Without one, $521.

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 Cedartown rose 73% since 2015–2019, more than in Polk County (70%).

Rents in Cedartown rose faster than in Polk County: 34% since 2015–2019, against 28%.

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

MeasureCedartownPolk 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 estimate3.4%2.4%3.4%
People per household 2.622.722.622.53
Drive alone 78%82%71%69%
Carpool Unreliable estimate9%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimateUnreliable estimate1%3%
Work from home Unreliable estimate4%16%15%
Other means Unreliable estimateUnreliable estimate2%2%
Typical commute Unreliable estimateUnreliable estimate20 to 29 minutes20 to 29 minutes

A household in Cedartown has 2.62 people on average, about the same as in Polk County (2.72).

To get to work, 78% of workers in Cedartown drive alone; in Polk County, 82%.

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 Cedartown?

A typical home costs more than the typical income allows

We start with a typical home in Cedartown, worth $147,200, 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 Cedartown, which is $34,754 a year. For that payment to be 28% of income, a household would need to earn about $52,218 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Cedartown. 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 $5,152 (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

$1,218

at 7.18% · 30 years

Loan amount
$144,534
Total interest
$207,950
Paid off in
November 2056

Includes $2,486 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $811 a month

  • Tight

    $811 to $1,043 a month

  • Hard

    more than $1,043 a month

    Your payment · 42%

Compared with the typical household income in Cedartown ($34,754 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,218
Principal & interest$979
Property tax$113
Home insurance$61
FHA mortgage insurance (MIP)$65

You need at least $5,152 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

Cedartown and Polk County

Cedartown is in Polk 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).

Cedartown's own numbers

Typical home value
$147,200
Typical monthly rent
$896
Typical yearly household income
$34,754
Households that own their home
43%
Effective property tax rate
0.92%

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

Numbers for all of Polk County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,017
Price change over 5 years (FHFA)
+69%
Homes in a high flood-risk zone
4%

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 Polk County.

Everything about Polk County

Buying

Buying a home in Cedartown

A typical home in Cedartown is worth $147,200: 22% below the county and 51% below Georgia. With the typical household income in Cedartown ($34,754 a year), a typical home costs 4.2 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.

  • Cedartown 4.2 years
  • Polk 3.2 years
  • Georgia 3.9 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Polk County

According to FHFA’s house price index, home prices in Polk County rose 126% in the 10 years through 2025.

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

Period County Georgia U.S.
Last year (2025) −0.5% +2.2% +2.9%
5 years (2020–2025) +69% +58% +47%
10 years (2015–2025) +126% +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

Cedartown next to Polk 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
  • Cedartown $147,200
  • Polk $187,600
  • Georgia $303,300
  • United States $332,700
Typical monthly rent
  • Cedartown $896
  • Polk $918
  • Georgia $1,393
  • United States $1,413
Typical yearly household income
  • Cedartown $34,754
  • Polk $58,515
  • Georgia $77,353
  • United States $80,734
See the full table
Cedartown next to Polk County and Georgia
Measure Cedartown Polk County Georgia U.S.
Typical home value $147,200 $187,600 $303,300 $332,700
Typical monthly rent $896 $918 $1,393 $1,413
Typical yearly household income $34,754 $58,515 $77,353 $80,734
Households that own their home 43% 66% 66% 65%
Typical yearly property tax $1,347 $1,413 $2,341 $3,119
Effective property tax rate 0.92% 0.75% 0.77% 0.94%
Renters with high rent for their income 61% 54% 52% 51%

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

For a typical $147,200 home in Cedartown, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Cedartown's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,218a month

    Least cash to close
    Down payment
    $5,152
    Cash to close
    $9,568
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $65

  • Conventional, 5% down $1,191a month

    Down payment
    $7,360
    Cash to close
    $11,776
    Rate
    7.18%
    Mortgage insurance
    PMI · $70

  • Conventional, 20% down, no PMI $972a month

    Down payment
    $29,440
    Cash to close
    $33,856
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,108a month

    Down payment
    $22,080
    Cash to close
    $26,496
    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 Cedartown and for Polk County.

Property tax

Effective rate in Cedartown

0.92%of the home’s value each year

$1,347 a year for the typical owner in Cedartown.

  • Cedartown 0.92%
  • Polk 0.75%
  • Georgia 0.77%

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

Exemptions and deadlines in Georgia

Flood risk in Polk County

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

Homes in the high-risk zone
4%
673
Of those, with NFIP insurance
13%
County Georgia U.S.
Homes in the high-risk zone 4% 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 Cedartown

Typical rent in Cedartown is $896 a month: 2% below the county. In Cedartown, 61% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Polk County, by unit size. To pay the 2-bedroom one ($1,017 a month) without spending more than 30% of your income, you would need to earn $19.56 an hour working full time.

HUD fair market rent for all of Polk 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 $772 $14.85 $30,880
1 bedroom $777 $14.94 $31,080
2 bedrooms $1,017 $19.56 $40,680
3 bedrooms $1,296 $24.92 $51,840
4 bedrooms $1,439 $27.67 $57,560

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 Cedartown

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Cedartown is in ZIP code 30125.

For 2 bedrooms it is $1,080: $63 more than the fair market rent for Polk County ($1,017).

  • 30125 $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 Cedartown 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 Cedartown

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

  • Cherokee Springs 318 Main St, Cedartown 30125 134 low-income homes · 1 bd: 20 · 2 bd: 63 · 3 bd: 43 · 4 bd: 8 · In service since 2017 · For families
  • Cherokee Springs Scattered Site 212 E View Dr, Cedartown 30125 134 low-income homes · For families (770) 748-1650
  • Greyfield Apartments 344 West Ave, Cedartown 30125 100 low-income homes · In service since 2015 · For older adults (770) 748-1650
  • Hummingbird Pointe 63 Cherokee Rd, Cedartown 30125 64 low-income homes · In service since 2011
  • Evergreen Village 110 Evergreen Ln, Cedartown 30125 56 homes, 55 low-income · In service since 1999

See all 14 buildings in Polk County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Cedartown

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

A man leans over the armchair where a girl is reading a book.

HUD counseling is free or low-cost

Assistance programs in Cedartown

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

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

  • National Faith Homebuyers, Atlanta Branch

    2470 Windy Hill Rd SE, Marietta · 45 miles away

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

  • Horizon Counseling Inc.

    135 Village Ctr W Ste 200, Woodstock · 45 miles away · Spanish

    • Reverse mortgage counseling
    (888) 315-4326

  • Hope Through Divine Intervention

    385 Holly St NW Ofc, Atlanta · 50 miles away

    • Budget and financial counseling
    • Homelessness services
    • and 1 more
    (404) 748-4375

All counseling agencies in Georgia

Help in Spanish near Cedartown

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 Cedartown

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

  • Housing Authority of the City of Cedartown Public housing (770) 748-1650

All housing agencies in Georgia Source: HUD

Cities

Other cities in Polk County

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

Everything about Polk County Housing in Georgia

Nearby cities

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

Neighboring counties

If Polk 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 Cedartown.

All guides
Three generations of a family gather on the porch of their home.

Questions

Housing questions about Cedartown

Short answers with the numbers for Cedartown and all of Polk 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 Cedartown?

The typical home value in Cedartown is $147,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Polk County it is $187,600.

How much does it cost to rent in Cedartown?

Typical rent in Cedartown is $896 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Polk County is $1,017.

What is the FHA loan limit in Cedartown?

Cedartown uses the FHA limit for all of Polk 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 Cedartown?

The typical homeowner in Cedartown pays $1,347 a year, according to the U.S. Census Bureau. That is 0.92% of the home’s value; in Polk County, the rate is 0.75%.

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

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