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City · 7,299 residents · Lumpkin County, Georgia

Dahlonega , Georgia

In Dahlonega, a typical home is worth $531,100 and typical rent is $1,220 a month. Compared with all of Lumpkin County, the typical home value is 72% higher, typical rent is 7% higher, and the share of households that own their home is 18 points lower.

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  • Typical home value

    $531,100

    72% above the county

    75% above Georgia

    • Dahlonega
    • Lumpkin
    • Georgia

  • Typical rent

    $1,220a month

    7% above the county

    12% below Georgia

    • Dahlonega
    • Lumpkin
    • Georgia

  • Typical household income

    $77,516a year

    About the same as the county

    About the same as Georgia

    • Dahlonega
    • Lumpkin
    • Georgia

  • Households that own their home

    59%

    18 points below the county

    7 points below Georgia

    • Dahlonega
    • Lumpkin
    • Georgia

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

Market now, with Zillow data

Zillow data
Typical home value
$380,327
0.5% more than 12 months ago
Typical rent
$1,620 a month

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

Dahlonega is in Lumpkin 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 Lumpkin County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Dahlonega apart

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

  1. The typical home in Dahlonega is worth $531,100, 72% more than in Lumpkin County as a whole ($307,900).

  2. Dahlonega has the 4th largest share of rent-burdened renters of the 157 cities in Georgia with more than 5,000 people (74%).

  3. Nearby, in Oakwood, the typical home value is $306,700: 42% less than in Dahlonega ($531,100).

  4. 59% of households in Dahlonega own their home, against 76% in Lumpkin County.

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

The homes here

Housing in Dahlonega

What homes there are in Dahlonega, 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 Dahlonega, but it weighs less than in Lumpkin County: 57% against 73%.

Year built

Homes in Dahlonega are newer: the typical year built is 2003; in Lumpkin County, 1998.

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

$2,087 a month

Lumpkin County: $1,538 a month

Without a mortgage

$844 a month

Lumpkin County: $456 a month

Owners with a mortgage

21%

Lumpkin County: 56%

In Dahlonega, 21% of owners have a mortgage, and their typical cost is $2,087 a month, against $1,538 in Lumpkin County. Without one it drops to $844.

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

Since 2015–2019, homes in Dahlonega gained value faster than in Lumpkin County: 86% against 66%.

Rent in Dahlonega moved so little since 2015–2019 that the Census cannot say whether it rose or fell.

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

MeasureDahlonegaLumpkin 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 2.552.692.622.53
Drive alone 70%75%71%69%
Carpool Unreliable estimate9%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike 12%5%1%3%
Work from home 9%10%16%15%
Other means Unreliable estimateUnreliable estimate2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Fewer people live in each home here: 2.55 on average, against 2.69 in Lumpkin County.

Many here get to work on foot or by bike: 12%, more than in Lumpkin County (5%).

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 Dahlonega?

A typical home costs more than the typical income allows

We start with a typical home in Dahlonega, worth $531,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 66% of the typical household income in Dahlonega, which is $77,516 a year. For that payment to be 28% of income, a household would need to earn about $181,764 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Dahlonega. 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 $18,589 (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

$4,241

at 7.18% · 30 years

Loan amount
$521,480
Total interest
$750,287
Paid off in
November 2056

Includes $8,969 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,809 a month

  • Tight

    $1,809 to $2,325 a month

  • Hard

    more than $2,325 a month

    Your payment · 66%

Compared with the typical household income in Dahlonega ($77,516 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$4,241
Principal & interest$3,533
Property tax$252
Home insurance$221
FHA mortgage insurance (MIP)$235

You need at least $18,589 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

Dahlonega and Lumpkin County

Dahlonega is in Lumpkin 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).

Dahlonega's own numbers

Typical home value
$531,100
Typical monthly rent
$1,220
Typical yearly household income
$77,516
Households that own their home
59%
Effective property tax rate
0.57%

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

Numbers for all of Lumpkin County

FHA limit, one-unit home
$718,750
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,148
Price change over 5 years (FHFA)
+69%
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 Lumpkin County.

Everything about Lumpkin County

Buying

Buying a home in Dahlonega

A typical home in Dahlonega is worth $531,100: 72% above the county and 75% above Georgia. With the typical household income in Dahlonega ($77,516 a year), a typical home costs 6.9 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.

  • Dahlonega 6.9 years
  • Lumpkin 4.0 years
  • Georgia 3.9 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Lumpkin County

According to FHFA’s house price index, home prices in Lumpkin County rose 122% in the 10 years through 2025.

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

Period County Georgia U.S.
Last year (2025) +3.4% +2.2% +2.9%
5 years (2020–2025) +69% +58% +47%
10 years (2015–2025) +122% +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

Dahlonega next to Lumpkin 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
  • Dahlonega $531,100
  • Lumpkin $307,900
  • Georgia $303,300
  • United States $332,700
Typical monthly rent
  • Dahlonega $1,220
  • Lumpkin $1,142
  • Georgia $1,393
  • United States $1,413
Typical yearly household income
  • Dahlonega $77,516
  • Lumpkin $77,448
  • Georgia $77,353
  • United States $80,734
See the full table
Dahlonega next to Lumpkin County and Georgia
Measure Dahlonega Lumpkin County Georgia U.S.
Typical home value $531,100 $307,900 $303,300 $332,700
Typical monthly rent $1,220 $1,142 $1,393 $1,413
Typical yearly household income $77,516 $77,448 $77,353 $80,734
Households that own their home 59% 76% 66% 65%
Typical yearly property tax $3,002 $1,989 $2,341 $3,119
Effective property tax rate 0.57% 0.65% 0.77% 0.94%
Renters with high rent for their income 74% 51% 52% 51%

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

For a typical $531,100 home in Dahlonega, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Dahlonega's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $4,241a month

    Least cash to close
    Down payment
    $18,589
    Cash to close
    $34,522
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $235

  • Conventional, 5% down $4,144a month

    Down payment
    $26,555
    Cash to close
    $42,488
    Rate
    7.18%
    Mortgage insurance
    PMI · $252

  • Conventional, 20% down, no PMI $3,352a month

    Down payment
    $106,220
    Cash to close
    $122,153
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,843a month

    Down payment
    $79,665
    Cash to close
    $95,598
    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 Dahlonega and for Lumpkin County.

Property tax

Effective rate in Dahlonega

0.57%of the home’s value each year

$3,002 a year for the typical owner in Dahlonega.

  • Dahlonega 0.57%
  • Lumpkin 0.65%
  • Georgia 0.77%

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

Exemptions and deadlines in Georgia

Flood risk in Lumpkin County

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

Homes in the high-risk zone
0.9%
126
Of those, with NFIP insurance
11%
County Georgia U.S.
Homes in the high-risk zone 0.9% 2% 3.5%
Of those, with NFIP insurance 11% 43% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Dahlonega

Typical rent in Dahlonega is $1,220 a month: 7% above the county. In Dahlonega, 74% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Lumpkin County, by unit size. To pay the 2-bedroom one ($1,148 a month) without spending more than 30% of your income, you would need to earn $22.08 an hour working full time.

HUD fair market rent for all of Lumpkin 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 $1,012 $19.46 $40,480
1 bedroom $1,055 $20.29 $42,200
2 bedrooms $1,148 $22.08 $45,920
3 bedrooms $1,445 $27.79 $57,800
4 bedrooms $1,919 $36.90 $76,760

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 Dahlonega

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

For 2 bedrooms it is $1,140 in all of them.

None is above the fair market rent for Lumpkin County ($1,148).

  • 30533 $1,140$1,440
  • 30597 $1,140$1,440

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

HUD lists 5 buildings with rents for lower incomes in Dahlonega. These are the largest.

  • Highland Trace 184 Adair Cir, Dahlonega 30533 80 low-income homes · 1 bd: 16 · 2 bd: 40 · 3 bd: 24 · In service since 2018 · For families
  • Brooks Point Apartments 555 Wimpy Mill Rd, Dahlonega 30533 41 low-income homes · In service since 1995
  • Dahlonega Housing Authority 11 Hummingbird Ln, Dahlonega 30533 30 low-income homes · Run by Housing Authority of the City of Dahlonega · Average payment: $586 a month · Average wait: 87 months · Homes at several sites (706) 864-3758
  • Golden Hills 95 Golden Hills Dr, Dahlonega 30533 69 homes · 1 bd: 10 · 2 bd: 34 · 3 bd: 25 · In service since 1992
  • Brooks Point Apartments (NEW) 555 Wimpy Mill Rd, Dahlonega 30533 41 homes · 1 bd: 38 · 2 bd: 3

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

Free help

Help to buy or rent in Dahlonega

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

A young woman and a young man point to a line in their notes beside a laptop in a library.

HUD counseling is free or low-cost

Assistance programs in Dahlonega

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

The HUD-approved agencies closest to the center of Dahlonega, 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 · 41 miles away · Spanish

    • Reverse mortgage counseling
    (888) 315-4326

  • NSC (naca Counseling Subsidiary) - Atlanta, GA

    3690 N Peachtree Rd, Atlanta · 47 miles away · Spanish

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

  • Center for Pan Asian Community Services, Inc

    3510 Shallowford Rd NE, Atlanta · 47 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (770) 936-0969

All counseling agencies in Georgia

Help in Spanish near Dahlonega

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 Dahlonega

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

  • Housing Authority of the City of Dahlonega Public housing (706) 864-3758

All housing agencies in Georgia Source: HUD

Cities

Nearby cities

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

Everything about Lumpkin County Housing in Georgia

Neighboring counties

If Lumpkin 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 Dahlonega.

All guides
Three women of one family lean in together to stir the pan.

Questions

Housing questions about Dahlonega

Short answers with the numbers for Dahlonega and all of Lumpkin 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 Dahlonega?

The typical home value in Dahlonega is $531,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Lumpkin County it is $307,900.

How much does it cost to rent in Dahlonega?

Typical rent in Dahlonega is $1,220 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Lumpkin County is $1,148.

What is the FHA loan limit in Dahlonega?

Dahlonega uses the FHA limit for all of Lumpkin 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 Dahlonega?

The typical homeowner in Dahlonega pays $3,002 a year, according to the U.S. Census Bureau. That is 0.57% of the home’s value; in Lumpkin County, the rate is 0.65%.

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

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