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City · 16,136 residents · Laurens County, Georgia

Dublin , Georgia

In Dublin, a typical home is worth $181,300 and typical rent is $847 a month. Compared with all of Laurens County, typical household income is 22% lower, the typical home value is 17% higher, and the share of households that own their home is 26 points lower.

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  • Typical home value

    $181,300

    17% above the county

    40% below Georgia

    • Dublin
    • Laurens
    • Georgia

  • Typical rent

    $847a month

    About the same as the county

    39% below Georgia

    • Dublin
    • Laurens
    • Georgia

  • Typical household income

    $42,988a year

    22% below the county

    44% below Georgia

    • Dublin
    • Laurens
    • Georgia

  • Households that own their home

    38%

    26 points below the county

    28 points below Georgia

    • Dublin
    • Laurens
    • Georgia

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

Market now, with Zillow data

Zillow data
Typical home value
$192,439
3.4% more than 12 months ago
Typical rent
$1,168 a month
10.8% more than 12 months ago

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

Dublin is in Laurens 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 Laurens County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Dublin apart

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

  1. 38% of households in Dublin own their home, against 64% in Laurens County.

  2. Nearby, in Swainsboro, the typical home value is $109,300: 40% less than in Dublin ($181,300).

  3. According to Zillow, in the 12 months to September 2026 the typical home value in Dublin rose 3.4%; in Georgia, it fell 0.6%.

  4. The typical household income in Dublin is $42,988, 22% less than in Laurens County as a whole ($55,010).

  5. Nearby, in McRae-Helena, the typical rent is $713: 16% less than in Dublin ($847).

  6. The typical home in Dublin is worth $181,300, 17% more than in Laurens County as a whole ($154,500).

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

The homes here

Housing in Dublin

What homes there are in Dublin, 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 Dublin: 63% of homes, near the figure in Laurens County (63%).

Year built

In Dublin, half of the homes were built before 1977; in Laurens County, before 1989.

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

With an FHA limit of $541,287, at least 92% of owner-occupied homes in Dublin sit below it: they are worth less than $500,000.

Monthly rent with utilities

Measured against HUD's 2-bedroom fair market rent ($1,007), about 64% of rented homes in Dublin cost less.

With a mortgage

$1,523 a month

Laurens County: $1,347 a month

Without a mortgage

$423 a month

Laurens County: $418 a month

Owners with a mortgage

51%

Laurens County: 39%

The typical cost for an owner with a mortgage in Dublin is $1,523 a month, more than in Laurens County ($1,347); without one, $423.

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

From 2015–2019 to 2020–2024, the typical home value in Dublin rose 77%; in Laurens County, it rose 63%.

Rents in Dublin rose faster than in Laurens County: 44% since 2015–2019, against 40%.

Here income did not keep up with housing: it rose 34%, while home values changed +77% and rent +44%.

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

MeasureDublinLaurens 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 estimate2.6%2.4%3.4%
People per household 2.532.632.622.53
Drive alone 80%87%71%69%
Carpool 9%8%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimateUnreliable estimate1%3%
Work from home 7%4%16%15%
Other means Unreliable estimateUnreliable estimate2%2%
Typical commute 10 to 19 minutesUnreliable estimate20 to 29 minutes20 to 29 minutes

By size, households in Dublin look like those in Laurens County: 2.53 people on average.

The car rules in Dublin: 80% of workers drive to work alone, and the typical trip takes 10 to 19 minutes.

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 Dublin?

A typical home costs more than the typical income allows

We start with a typical home in Dublin, worth $181,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 41% of the typical household income in Dublin, which is $42,988 a year. For that payment to be 28% of income, a household would need to earn about $63,602 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Dublin. 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 $6,346 (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

$1,484

at 7.18% · 30 years

Loan amount
$178,016
Total interest
$256,123
Paid off in
November 2056

Includes $3,062 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,003 a month

  • Tight

    $1,003 to $1,290 a month

  • Hard

    more than $1,290 a month

    Your payment · 41%

Compared with the typical household income in Dublin ($42,988 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,484
Principal & interest$1,206
Property tax$122
Home insurance$76
FHA mortgage insurance (MIP)$80

You need at least $6,346 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

Dublin and Laurens County

Dublin is in Laurens 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).

Dublin's own numbers

Typical home value
$181,300
Typical monthly rent
$847
Typical yearly household income
$42,988
Households that own their home
38%
Effective property tax rate
0.81%

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

Numbers for all of Laurens County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,007
Price change over 5 years (FHFA)
+47%
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 Laurens County.

Everything about Laurens County

Buying

Buying a home in Dublin

A typical home in Dublin is worth $181,300: 17% above the county and 40% below Georgia. With the typical household income in Dublin ($42,988 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.

  • Dublin 4.2 years
  • Laurens 2.8 years
  • Georgia 3.9 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Laurens County

According to FHFA’s house price index, home prices in Laurens County rose 71% in the 10 years through 2025.

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

Period County Georgia U.S.
Last year (2025) +5.6% +2.2% +2.9%
5 years (2020–2025) +47% +58% +47%
10 years (2015–2025) +71% +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

Dublin next to Laurens 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
  • Dublin $181,300
  • Laurens $154,500
  • Georgia $303,300
  • United States $332,700
Typical monthly rent
  • Dublin $847
  • Laurens $863
  • Georgia $1,393
  • United States $1,413
Typical yearly household income
  • Dublin $42,988
  • Laurens $55,010
  • Georgia $77,353
  • United States $80,734
See the full table
Dublin next to Laurens County and Georgia
Measure Dublin Laurens County Georgia U.S.
Typical home value $181,300 $154,500 $303,300 $332,700
Typical monthly rent $847 $863 $1,393 $1,413
Typical yearly household income $42,988 $55,010 $77,353 $80,734
Households that own their home 38% 64% 66% 65%
Typical yearly property tax $1,465 $1,021 $2,341 $3,119
Effective property tax rate 0.81% 0.66% 0.77% 0.94%
Renters with high rent for their income 54% 49% 52% 51%

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

For a typical $181,300 home in Dublin, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Dublin's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,484a month

    Least cash to close
    Down payment
    $6,346
    Cash to close
    $11,785
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $80

  • Conventional, 5% down $1,451a month

    Down payment
    $9,065
    Cash to close
    $14,504
    Rate
    7.18%
    Mortgage insurance
    PMI · $86

  • Conventional, 20% down, no PMI $1,180a month

    Down payment
    $36,260
    Cash to close
    $41,699
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,348a month

    Down payment
    $27,195
    Cash to close
    $32,634
    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 Dublin and for Laurens County.

Property tax

Effective rate in Dublin

0.81%of the home’s value each year

$1,465 a year for the typical owner in Dublin.

  • Dublin 0.81%
  • Laurens 0.66%
  • Georgia 0.77%

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

Exemptions and deadlines in Georgia

Flood risk in Laurens County

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

Homes in the high-risk zone
0.9%
206
Of those, with NFIP insurance
12%
County Georgia U.S.
Homes in the high-risk zone 0.9% 2% 3.5%
Of those, with NFIP insurance 12% 43% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Dublin

Typical rent in Dublin is $847 a month: about the same as the county. In Dublin, 54% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Laurens County, by unit size. To pay the 2-bedroom one ($1,007 a month) without spending more than 30% of your income, you would need to earn $19.37 an hour working full time.

HUD fair market rent for all of Laurens 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 $701 $13.48 $28,040
1 bedroom $770 $14.81 $30,800
2 bedrooms $1,007 $19.37 $40,280
3 bedrooms $1,286 $24.73 $51,440
4 bedrooms $1,600 $30.77 $64,000

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 Dublin

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Dublin is in ZIP code 31021.

For 2 bedrooms it is $1,000: $7 less than the fair market rent for Laurens County ($1,007).

  • 31021 $1,000$1,280

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

HUD lists 18 buildings with rents for lower incomes in Dublin. These are the largest.

  • Claxton Homes 511 Vinson Vlg, Dublin 31021 150 low-income homes · Run by Housing Authority of the City of Dublin · Average payment: $297 a month · Average wait: 6 months (478) 290-6714
  • Johnson Homes 112 Katie Dudley Vlg, Dublin 31021 145 low-income homes · Run by Housing Authority of the City of Dublin · Average payment: $298 a month · Average wait: 12 months (478) 290-6714
  • Simmons Jackson Homes 208A Roberts St, Dublin 31021 145 low-income homes · Run by Housing Authority of the City of Dublin · Average payment: $319 a month · Average wait: 12 months (478) 290-6714
  • Riverview Heights 200 Riverview Dr, Dublin 31021 117 low-income homes · For older adults (478) 272-2055
  • Smith HMS-Coleman CT 501A Coleman Ct, Dublin 31021 100 low-income homes · Run by Housing Authority of the City of Dublin · Average payment: $312 a month · Average wait: 8 months (478) 290-6714

See all 18 buildings in Laurens County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Dublin

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

A grandmother pushes her grandson on a playground swing.

HUD counseling is free or low-cost

Assistance programs in Dublin

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

The HUD-approved agencies closest to the center of Dublin, 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 · 46 miles away

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

  • Telamon Corporation - Macon Branch

    2150 Northside Xing, Macon · 52 miles away

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

  • CCCS of the Savannah Area, Inc. - Statesboro Branch

    515 Denmark Street Suite 700, Statesboro · 66 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (912) 691-2227

All counseling agencies in Georgia

Help in Spanish near Dublin

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 Dublin

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

  • Housing Authority of the City of Dublin Public housing (478) 290-6714

All housing agencies in Georgia Source: HUD

Cities

Nearby cities

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

Everything about Laurens County Housing in Georgia

Neighboring counties

If Laurens 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 Dublin.

All guides
A couple spread mulch under the avocado trees of their family orchard, he on the tractor and she with a shovel.

Questions

Housing questions about Dublin

Short answers with the numbers for Dublin and all of Laurens 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 Dublin?

The typical home value in Dublin is $181,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Laurens County it is $154,500.

How much does it cost to rent in Dublin?

Typical rent in Dublin is $847 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Laurens County is $1,007.

What is the FHA loan limit in Dublin?

Dublin uses the FHA limit for all of Laurens 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 Dublin?

The typical homeowner in Dublin pays $1,465 a year, according to the U.S. Census Bureau. That is 0.81% of the home’s value; in Laurens County, the rate is 0.66%.

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

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