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City · 24,518 residents · DeKalb County, Georgia

Decatur , Georgia

In Decatur, a typical home is worth $701,400 and typical rent is $1,655 a month. Compared with all of DeKalb County, the typical home value is 96% higher, typical household income is 73% higher, and the share of households that own their home is 5 points higher.

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  • Typical home value

    $701,400

    96% above the county

    131% above Georgia

    • Decatur
    • DeKalb
    • Georgia

  • Typical rent

    $1,655a month

    2% below the county

    19% above Georgia

    • Decatur
    • DeKalb
    • Georgia

  • Typical household income

    $139,397a year

    73% above the county

    80% above Georgia

    • Decatur
    • DeKalb
    • Georgia

  • Households that own their home

    64%

    5 points above the county

    2 points below Georgia

    • Decatur
    • DeKalb
    • Georgia

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

Market now, with Zillow data

Zillow data
Typical home value
$277,179
3.2% less than 12 months ago
Typical rent
$1,755 a month
1.7% more than 12 months ago

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

Decatur 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 Decatur apart

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

  1. The typical household income in Decatur is $139,397, 73% more than in DeKalb County as a whole ($80,644).

  2. The typical home in Decatur is worth $701,400, 96% more than in DeKalb County as a whole ($357,800).

  3. Nearby, in Candler-McAfee, the typical home value is $259,300: 63% less than in Decatur ($701,400).

  4. 64% of households in Decatur own their home, against 59% in DeKalb County.

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

The homes here

Housing in Decatur

What homes there are in Decatur, 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

No kind of home is the majority in Decatur; the largest group, detached houses, adds up to 49%, less than in DeKalb County (56%).

Year built

In Decatur, half of the homes were built before 1975; in DeKalb County, before 1984.

There are fewer big homes in Decatur than in DeKalb County: 51% have 3 bedrooms or more, against 60%.

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

$3,419 a month

DeKalb County: $1,979 a month

Without a mortgage

$1,043 a month

DeKalb County: $715 a month

Owners with a mortgage

69%

DeKalb County: 70%

Owning costs more in Decatur: with a mortgage, the typical cost is $3,419 a month; in DeKalb County, $1,979. Without one, $1,043.

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 Decatur rose 34% since 2015–2019, less than in DeKalb County (66%).

Since 2015–2019, the typical rent in Decatur rose 63%, more than in DeKalb County (45%).

To compare: typical income in Decatur rose 31%; the home, +34%; the rent, +63%.

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

MeasureDecaturDeKalb CountyGeorgiaUnited States
Rental vacancy 10.5%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 2.492.632.622.53
Drive alone 47%61%71%69%
Carpool 3%9%9%9%
Public transit 5%4%1%3%
Walk or bike 6%2%1%3%
Work from home 39%23%16%15%
Other means Unreliable estimate2%2%2%
Typical commute 20 to 29 minutesUnreliable estimate20 to 29 minutes20 to 29 minutes

In Decatur, the rental vacancy rate is 10.5%, about the same as in DeKalb County.

On average, a household in Decatur has 2.49 people, fewer than in DeKalb County (2.63).

In Decatur, 39% of workers work from home, more than in DeKalb County (23%).

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 Decatur?

A typical home costs more than the typical income allows

We start with a typical home in Decatur, worth $701,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 52% of the typical household income in Decatur, which is $139,397 a year. For that payment to be 28% of income, a household would need to earn about $259,085 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 Decatur. 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 $24,549 (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

$6,045

at 7.18% · 30 years

Loan amount
$688,696
Total interest
$990,872
Paid off in
November 2056

Includes $11,845 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $3,253 a month

  • Tight

    $3,253 to $4,182 a month

  • Hard

    more than $4,182 a month

    Your payment · 52%

Compared with the typical household income in Decatur ($139,397 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$6,045
Principal & interest$4,665
Property tax$777
Home insurance$292
FHA mortgage insurance (MIP)$310

You need at least $24,549 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

Decatur and DeKalb County

Decatur 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).

Decatur's own numbers

Typical home value
$701,400
Typical monthly rent
$1,655
Typical yearly household income
$139,397
Households that own their home
64%
Effective property tax rate
1.33%

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 Decatur

A typical home in Decatur is worth $701,400: 96% above the county and 131% above Georgia. With the typical household income in Decatur ($139,397 a year), a typical home costs 5.0 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.

  • Decatur 5.0 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

Decatur 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
  • Decatur $701,400
  • DeKalb $357,800
  • Georgia $303,300
  • United States $332,700
Typical monthly rent
  • Decatur $1,655
  • DeKalb $1,692
  • Georgia $1,393
  • United States $1,413
Typical yearly household income
  • Decatur $139,397
  • DeKalb $80,644
  • Georgia $77,353
  • United States $80,734
See the full table
Decatur next to DeKalb County and Georgia
Measure Decatur DeKalb County Georgia U.S.
Typical home value $701,400 $357,800 $303,300 $332,700
Typical monthly rent $1,655 $1,692 $1,393 $1,413
Typical yearly household income $139,397 $80,644 $77,353 $80,734
Households that own their home 64% 59% 66% 65%
Typical yearly property tax $9,295 $3,310 $2,341 $3,119
Effective property tax rate 1.33% 0.93% 0.77% 0.94%
Renters with high rent for their income 45% 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 Decatur

For a typical $701,400 home in Decatur, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Decatur's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $6,045a month

    Least cash to close
    Down payment
    $24,549
    Cash to close
    $45,591
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $310

  • Conventional, 5% down $5,917a month

    Down payment
    $35,070
    Cash to close
    $56,112
    Rate
    7.18%
    Mortgage insurance
    PMI · $333

  • Conventional, 20% down, no PMI $4,871a month

    Down payment
    $140,280
    Cash to close
    $161,322
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $5,519a month

    Down payment
    $105,210
    Cash to close
    $126,252
    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 Decatur and for DeKalb County.

Property tax

Effective rate in Decatur

1.33%of the home’s value each year

$9,295 a year for the typical owner in Decatur.

  • Decatur 1.33%
  • 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 Decatur

Typical rent in Decatur is $1,655 a month: 2% below the county. In Decatur, 45% 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 Decatur

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Decatur is in ZIP code 30030.

For 2 bedrooms it is $2,100: $338 more than the fair market rent for DeKalb County ($1,762).

  • 30030 $2,100$2,520

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

HUD lists 45 buildings with rents for lower incomes in Decatur. These are the largest.

  • Eagle's Nest 3002 Ember Dr, Decatur 30034 296 low-income homes · 1 bd: 60 · 2 bd: 166 · 3 bd: 70 · In service since 1995
  • Wesley Club 4103 Wesley Club Dr, Decatur 30034 257 low-income homes · 2 bd: 152 · 3 bd: 105 · In service since 2004
  • Chapel Run Apartments 4522 Snapfinger Woods Dr, Decatur 30035 172 homes, 170 low-income · 1 bd: 36 · 2 bd: 88 · 3 bd: 36 · 4 bd: 12 · In service since 2003
  • Park Trace Apartments 700 Atlanta Ave, Decatur 30030 170 homes, 169 low-income · For older adults (404) 371-0887
  • Philips Towers, Decatur, Inc. 218 E Trinity Pl, Decatur 30030 225 homes, 136 low-income · For older adults (404) 373-4361

See all 135 buildings in DeKalb County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Decatur

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 young man and a young woman look something up together on a laptop.

HUD counseling is free or low-cost

Assistance programs in Decatur

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

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

  • Atlanta Legal Aid Society, Inc.

    246 Sycamore St, Decatur · 0 miles away

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

  • 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

  • Resources for Residents and Communities of Georgia, Inc.

    100 Flat Shoals Ave SE, Atlanta · 4 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 Decatur

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 Decatur

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

  • Housing Authority of the City of Decatur Public housing and Section 8 vouchers (404) 270-2100
  • Housing Authority of the County of Dekalb, GA Public housing and Section 8 vouchers (404) 270-2500

2 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 Decatur, 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 Decatur.

All guides
A father holds his baby and his young son by a white picket fence.

Questions

Housing questions about Decatur

Short answers with the numbers for Decatur 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 Decatur?

The typical home value in Decatur is $701,400, 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 Decatur?

Typical rent in Decatur is $1,655 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 Decatur?

Decatur 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 Decatur?

The typical homeowner in Decatur pays $9,295 a year, according to the U.S. Census Bureau. That is 1.33% of the home’s value; in DeKalb County, the rate is 0.93%.

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

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).