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City · 9,014 residents · Cobb County, Georgia

Fair Oaks , Georgia

In Fair Oaks, a typical home is worth $199,600 and typical rent is $1,314 a month. Compared with all of Cobb County, the typical home value is 51% lower, typical household income is 39% lower, and the share of households that own their home is 30 points lower.

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  • Typical home value

    $199,600

    51% below the county

    34% below Georgia

    • Fair Oaks
    • Cobb
    • Georgia

  • Typical rent

    $1,314a month

    24% below the county

    6% below Georgia

    • Fair Oaks
    • Cobb
    • Georgia

  • Typical household income

    $62,996a year

    39% below the county

    19% below Georgia

    • Fair Oaks
    • Cobb
    • Georgia

  • Households that own their home

    37%

    30 points below the county

    29 points below Georgia

    • Fair Oaks
    • Cobb
    • Georgia

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

Fair Oaks is in Cobb 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 Cobb County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Fair Oaks apart

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

  1. 37% of households in Fair Oaks own their home, against 67% in Cobb County.

  2. The typical home in Fair Oaks is worth $199,600, 51% less than in Cobb County as a whole ($407,200).

  3. The typical household income in Fair Oaks is $62,996, 39% less than in Cobb County as a whole ($102,738).

  4. The typical rent in Fair Oaks is $1,314 a month, 24% less than in Cobb County as a whole ($1,730).

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

The homes here

Housing in Fair Oaks

What homes there are in Fair Oaks, 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

Homes in Fair Oaks are varied: detached houses are the largest group, at 48%, against 65% in Cobb County.

Year built

Homes in Fair Oaks are older: the typical year built is 1971; in Cobb County, 1990.

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

$1,415 a month

Cobb County: $2,084 a month

Without a mortgage

$497 a month

Cobb County: $589 a month

Owners with a mortgage

67%

Cobb County: 71%

Owning costs less in Fair Oaks: with a mortgage, the typical cost is $1,415 a month; in Cobb County, $2,084. Without one, $497.

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 Fair Oaks did not change clearly: the difference is within the Census margin of error.

Since 2015–2019, the typical rent in Fair Oaks rose 40%, less than in Cobb County (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

MeasureFair OaksCobb CountyGeorgiaUnited States
Rental vacancy Unreliable estimate5.3%6.8%5.5%
Homeowner vacancy Unreliable estimate0.8%1.1%0.9%
More than one person per room Unreliable estimate2.0%2.4%3.4%
People per household 2.972.592.622.53
Drive alone 61%65%71%69%
Carpool 24%8%9%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate1%1%3%
Work from home Unreliable estimate24%16%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimateUnreliable estimate20 to 29 minutes20 to 29 minutes

On average, a household in Fair Oaks has 2.97 people, more than in Cobb County (2.59).

More people carpool to work in Fair Oaks than in Cobb County: 24% against 8%.

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 Fair Oaks?

A typical home is tight for the typical income

We start with a typical home in Fair Oaks, worth $199,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 30% of the typical household income in Fair Oaks, which is $62,996 a year. For that payment to be 28% of income, a household would need to earn about $67,955 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Fair Oaks. 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 $6,986 (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

$1,586

at 7.18% · 30 years

Loan amount
$195,985
Total interest
$281,976
Paid off in
November 2056

Includes $3,371 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,470 a month

  • Tight

    $1,470 to $1,890 a month

    Your payment · 30%

  • Hard

    more than $1,890 a month

Compared with the typical household income in Fair Oaks ($62,996 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,586
Principal & interest$1,328
Property tax$87
Home insurance$83
FHA mortgage insurance (MIP)$88

You need at least $6,986 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

Fair Oaks and Cobb County

Fair Oaks is in Cobb 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).

Fair Oaks's own numbers

Typical home value
$199,600
Typical monthly rent
$1,314
Typical yearly household income
$62,996
Households that own their home
37%
Effective property tax rate
0.52%

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

Numbers for all of Cobb 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)
+61%
Homes in a high flood-risk zone
0.6%

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 Cobb County.

Everything about Cobb County

Buying

Buying a home in Fair Oaks

A typical home in Fair Oaks is worth $199,600: 51% below the county and 34% below Georgia. With the typical household income in Fair Oaks ($62,996 a year), a typical home costs 3.2 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.

  • Fair Oaks 3.2 years
  • Cobb 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 Cobb County

According to FHFA’s house price index, home prices in Cobb County rose 127% in the 10 years through 2025.

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

Period County Georgia U.S.
Last year (2025) +2.1% +2.2% +2.9%
5 years (2020–2025) +61% +58% +47%
10 years (2015–2025) +127% +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

Fair Oaks next to Cobb 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
  • Fair Oaks $199,600
  • Cobb $407,200
  • Georgia $303,300
  • United States $332,700
Typical monthly rent
  • Fair Oaks $1,314
  • Cobb $1,730
  • Georgia $1,393
  • United States $1,413
Typical yearly household income
  • Fair Oaks $62,996
  • Cobb $102,738
  • Georgia $77,353
  • United States $80,734
See the full table
Fair Oaks next to Cobb County and Georgia
Measure Fair Oaks Cobb County Georgia U.S.
Typical home value $199,600 $407,200 $303,300 $332,700
Typical monthly rent $1,314 $1,730 $1,393 $1,413
Typical yearly household income $62,996 $102,738 $77,353 $80,734
Households that own their home 37% 67% 66% 65%
Typical yearly property tax $1,038 $2,720 $2,341 $3,119
Effective property tax rate 0.52% 0.67% 0.77% 0.94%
Renters with high rent for their income 57% 50% 52% 51%

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

For a typical $199,600 home in Fair Oaks, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Fair Oaks's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,586a month

    Least cash to close
    Down payment
    $6,986
    Cash to close
    $12,974
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $88

  • Conventional, 5% down $1,549a month

    Down payment
    $9,980
    Cash to close
    $15,968
    Rate
    7.18%
    Mortgage insurance
    PMI · $95

  • Conventional, 20% down, no PMI $1,251a month

    Down payment
    $39,920
    Cash to close
    $45,908
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,436a month

    Down payment
    $29,940
    Cash to close
    $35,928
    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 Fair Oaks and for Cobb County.

Property tax

Effective rate in Fair Oaks

0.52%of the home’s value each year

$1,038 a year for the typical owner in Fair Oaks.

  • Fair Oaks 0.52%
  • Cobb 0.67%
  • Georgia 0.77%

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

Exemptions and deadlines in Georgia

Flood risk in Cobb County

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

Homes in the high-risk zone
0.6%
1,348
Of those, with NFIP insurance
85%
County Georgia U.S.
Homes in the high-risk zone 0.6% 2% 3.5%
Of those, with NFIP insurance 85% 43% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Fair Oaks

Typical rent in Fair Oaks is $1,314 a month: 24% below the county. In Fair Oaks, 57% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Cobb 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 Cobb 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 Fair Oaks

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Fair Oaks has 3 ZIP codes with their own.

For 2 bedrooms it runs from $1,520 in 30060 to $1,930 in 30080.

1 of the 3 is above the fair market rent for Cobb County ($1,762).

  • 30008 $1,590$1,890
  • 30060 $1,520$1,810
  • 30080 $1,930$2,300

3 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Fair Oaks 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 Fair Oaks

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 is 1 HUD-approved agency with an office in Cobb County; none says it serves in Spanish.

A grandmother pushes her grandson on a playground swing.

HUD counseling is free or low-cost

Assistance programs in Fair Oaks

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

The HUD-approved agencies closest to the center of Fair Oaks, 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 · 4 miles away

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

  • Operation Hope-Jefferson ST- Atlanta Ga

    970 Jefferson St NW, Atlanta · 12 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 5 more
    (470) 240-1693

  • Hope Through Divine Intervention

    385 Holly St NW Ofc, Atlanta · 12 miles away

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

Every agency in Cobb County All counseling agencies in Georgia

Help in Spanish near Fair Oaks

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 Fair Oaks

In HUD’s record, no housing authority with an office in Cobb County is named for Fair Oaks or Cobb County.

One other authority has an office in Cobb County: see the list Source: HUD

Cities

Other cities in Cobb County

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

Everything about Cobb County Housing in Georgia

Nearby cities

The cities closest to Fair Oaks, with the typical home value.

Neighboring counties

If Cobb 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 Fair Oaks.

All guides
A mother holds her laughing daughter on a grey sofa.

Questions

Housing questions about Fair Oaks

Short answers with the numbers for Fair Oaks and all of Cobb 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 Fair Oaks?

The typical home value in Fair Oaks is $199,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Cobb County it is $407,200.

How much does it cost to rent in Fair Oaks?

Typical rent in Fair Oaks is $1,314 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Cobb County is $1,762.

What is the FHA loan limit in Fair Oaks?

Fair Oaks uses the FHA limit for all of Cobb 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 Fair Oaks?

The typical homeowner in Fair Oaks pays $1,038 a year, according to the U.S. Census Bureau. That is 0.52% of the home’s value; in Cobb County, the rate is 0.67%.

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

There is 1 HUD-approved counseling agency with an office in Cobb County. 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).