Español

Este sitio también está en español. Leer en español

City · 8,505 residents · Houston County, Georgia

Centerville , Georgia

In Centerville, a typical home is worth $194,900 and typical rent is $1,312 a month. Compared with all of Houston County, typical household income is 15% lower and the typical home value is 11% lower.

WhatsApp

  • Typical home value

    $194,900

    11% below the county

    36% below Georgia

    • Centerville
    • Houston
    • Georgia

  • Typical rent

    $1,312a month

    9% above the county

    6% below Georgia

    • Centerville
    • Houston
    • Georgia

  • Typical household income

    $68,922a year

    15% below the county

    11% below Georgia

    • Centerville
    • Houston
    • Georgia

  • Households that own their home

    70%

    3 points above the county

    5 points above Georgia

    • Centerville
    • Houston
    • Georgia

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

Market now, with Zillow data

Zillow data
Typical home value
$230,574
3.9% more than 12 months ago

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

Centerville is in Houston 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 Houston County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Centerville apart

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

  1. Nearby, in Barnesville, the typical rent is $846: 36% less than in Centerville ($1,312).

  2. Nearby, in Fort Valley, the typical home value is $127,100: 35% less than in Centerville ($194,900).

  3. According to Zillow, in the 12 months to September 2026 the typical home value in Centerville rose 3.9%; 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 Centerville

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

In Centerville there are many mobile homes: 11% of homes; in Houston County, 6%.

Year built

Homes in Centerville are newer: the typical year built is 2001; in Houston County, 1994.

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

$1,443 a month

Houston County: $1,554 a month

Without a mortgage

$493 a month

Houston County: $475 a month

Owners with a mortgage

61%

Houston County: 66%

The typical cost for an owner with a mortgage in Centerville is $1,443 a month, less than in Houston County ($1,554); without one, $493.

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 Centerville rose 35% since 2015–2019, less than in Houston County (54%).

Rents in Centerville rose at about the same pace as in Houston County: 31% since 2015–2019, against 31%.

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

MeasureCentervilleHouston CountyGeorgiaUnited States
Rental vacancy Unreliable estimate8.1%6.8%5.5%
Homeowner vacancy Unreliable estimate1.1%1.1%0.9%
More than one person per room Unreliable estimate2.1%2.4%3.4%
People per household 2.652.632.622.53
Drive alone 85%79%71%69%
Carpool Unreliable estimate9%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate1%1%3%
Work from home Unreliable estimate10%16%15%
Other means Unreliable estimate1%2%2%
Typical commute Unreliable estimateUnreliable estimate20 to 29 minutes20 to 29 minutes

Much as in Houston County, a household in Centerville has 2.65 people on average.

To get to work, 85% of workers in Centerville drive alone; in Houston County, 79%.

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 Centerville?

A typical home is tight for the typical income

We start with a typical home in Centerville, worth $194,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 28% of the typical household income in Centerville, which is $68,922 a year. For that payment to be 28% of income, a household would need to earn about $70,044 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Centerville. 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 $6,822 (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

$1,634

at 7.18% · 30 years

Loan amount
$191,369
Total interest
$275,336
Paid off in
November 2056

Includes $3,291 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,608 a month

  • Tight

    $1,608 to $2,068 a month

    Your payment · 28%

  • Hard

    more than $2,068 a month

Compared with the typical household income in Centerville ($68,922 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,634
Principal & interest$1,296
Property tax$171
Home insurance$81
FHA mortgage insurance (MIP)$86

You need at least $6,822 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

Centerville and Houston County

Centerville is in Houston 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).

Centerville's own numbers

Typical home value
$194,900
Typical monthly rent
$1,312
Typical yearly household income
$68,922
Households that own their home
70%
Effective property tax rate
1.05%

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

Numbers for all of Houston County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,396
Price change over 5 years (FHFA)
+62%
Homes in a high flood-risk zone
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 Houston County.

Everything about Houston County

Buying

Buying a home in Centerville

A typical home in Centerville is worth $194,900: 11% below the county and 36% below Georgia. With the typical household income in Centerville ($68,922 a year), a typical home costs 2.8 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.

  • Centerville 2.8 years
  • Houston 2.7 years
  • Georgia 3.9 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Houston County

According to FHFA’s house price index, home prices in Houston County rose 96% in the 10 years through 2025.

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

Period County Georgia U.S.
Last year (2025) +6.1% +2.2% +2.9%
5 years (2020–2025) +62% +58% +47%
10 years (2015–2025) +96% +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

Centerville next to Houston 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
  • Centerville $194,900
  • Houston $219,800
  • Georgia $303,300
  • United States $332,700
Typical monthly rent
  • Centerville $1,312
  • Houston $1,208
  • Georgia $1,393
  • United States $1,413
Typical yearly household income
  • Centerville $68,922
  • Houston $80,698
  • Georgia $77,353
  • United States $80,734
See the full table
Centerville next to Houston County and Georgia
Measure Centerville Houston County Georgia U.S.
Typical home value $194,900 $219,800 $303,300 $332,700
Typical monthly rent $1,312 $1,208 $1,393 $1,413
Typical yearly household income $68,922 $80,698 $77,353 $80,734
Households that own their home 70% 67% 66% 65%
Typical yearly property tax $2,045 $1,835 $2,341 $3,119
Effective property tax rate 1.05% 0.83% 0.77% 0.94%
Renters with high rent for their income 63% 48% 52% 51%

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

For a typical $194,900 home in Centerville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Centerville's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,634a month

    Least cash to close
    Down payment
    $6,822
    Cash to close
    $12,669
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $86

  • Conventional, 5% down $1,599a month

    Down payment
    $9,745
    Cash to close
    $15,592
    Rate
    7.18%
    Mortgage insurance
    PMI · $93

  • Conventional, 20% down, no PMI $1,308a month

    Down payment
    $38,980
    Cash to close
    $44,827
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,488a month

    Down payment
    $29,235
    Cash to close
    $35,082
    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 Centerville and for Houston County.

Property tax

Effective rate in Centerville

1.05%of the home’s value each year

$2,045 a year for the typical owner in Centerville.

  • Centerville 1.05%
  • Houston 0.83%
  • Georgia 0.77%

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

Exemptions and deadlines in Georgia

Flood risk in Houston County

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

Homes in the high-risk zone
1%
566
Of those, with NFIP insurance
30%
County Georgia U.S.
Homes in the high-risk zone 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 Centerville

Typical rent in Centerville is $1,312 a month: 9% above the county. In Centerville, 63% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Houston County, by unit size. To pay the 2-bedroom one ($1,396 a month) without spending more than 30% of your income, you would need to earn $26.85 an hour working full time.

HUD fair market rent for all of Houston 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 $1,122 $21.58 $44,880
1 bedroom $1,248 $24.00 $49,920
2 bedrooms $1,396 $26.85 $55,840
3 bedrooms $1,860 $35.77 $74,400
4 bedrooms $2,238 $43.04 $89,520

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 Centerville

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

For 2 bedrooms it runs from $1,230 in 31093 to $1,450 in 31028.

1 of the 2 is above the fair market rent for Houston County ($1,396).

  • 31028 $1,450$1,930
  • 31093 $1,230$1,640

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

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

A pregnant woman reads paperwork on the sofa while the grandmother plays with the girl on the floor.

HUD counseling is free or low-cost

Assistance programs in Centerville

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

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

  • Homefirst Housing Resource Services, Inc.

    688 Walnut St, Macon · 14 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (478) 219-3957

  • Telamon Corporation - Macon Branch

    2150 Northside Xing, Macon · 18 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    (919) 899-9911

  • Veterans Center

    320 Lanier Ave W, Fayetteville · 72 miles away

    Also serves in Creole, French, and other languages.

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 9 more
    (678) 792-8387

All counseling agencies in Georgia

Help in Spanish near Centerville

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 Centerville

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

  • Housing Authority of the County of Houston Public housing (912) 929-0229

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

Cities

Other cities in Houston County

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

Everything about Houston County Housing in Georgia

Nearby cities

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

Neighboring counties

If Houston 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 Centerville.

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

Questions

Housing questions about Centerville

Short answers with the numbers for Centerville and all of Houston 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 Centerville?

The typical home value in Centerville is $194,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Houston County it is $219,800.

How much does it cost to rent in Centerville?

Typical rent in Centerville is $1,312 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Houston County is $1,396.

What is the FHA loan limit in Centerville?

Centerville uses the FHA limit for all of Houston 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 Centerville?

The typical homeowner in Centerville pays $2,045 a year, according to the U.S. Census Bureau. That is 1.05% of the home’s value; in Houston County, the rate is 0.83%.

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

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