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City · 6,172 residents · Carroll County, Georgia

Fairfield Plantation , Georgia

In Fairfield Plantation, a typical home is worth $332,600 and typical rent is $1,783 a month. Compared with all of Carroll County, typical rent is 55% higher, typical household income is 40% higher, and the share of households that own their home is 19 points higher.

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  • Typical home value

    $332,600

    30% above the county

    10% above Georgia

    • Fairfield Plantation
    • Carroll
    • Georgia

  • Typical rent

    $1,783a month

    55% above the county

    28% above Georgia

    • Fairfield Plantation
    • Carroll
    • Georgia

  • Typical household income

    $102,984a year

    40% above the county

    33% above Georgia

    • Fairfield Plantation
    • Carroll
    • Georgia

  • Households that own their home

    90%

    19 points above the county

    25 points above Georgia

    • Fairfield Plantation
    • Carroll
    • Georgia

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

Fairfield Plantation is in Carroll 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 Carroll County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Fairfield Plantation apart

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

  1. Fairfield Plantation has the 4th highest homeownership rate of the 165 cities in Georgia with more than 5,000 people (90%).

  2. The typical rent in Fairfield Plantation is $1,783 a month, 55% more than in Carroll County as a whole ($1,153).

  3. Nearby, in Bremen, the typical rent is $951: 47% less than in Fairfield Plantation ($1,783).

  4. The typical household income in Fairfield Plantation is $102,984, 40% more than in Carroll County as a whole ($73,714).

  5. Nearby, in Temple, the typical home value is $232,800: 30% less than in Fairfield Plantation ($332,600).

  6. The typical home in Fairfield Plantation is worth $332,600, 30% more than in Carroll County as a whole ($255,100).

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

The homes here

Housing in Fairfield Plantation

What homes there are in Fairfield Plantation, 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 Fairfield Plantation, 9 in 10 homes are single-family detached houses; in Carroll County, 7.

Year built

Homes in Fairfield Plantation are newer: the typical year built is 1996; in Carroll County, 1991.

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

$1,789 a month

Carroll County: $1,477 a month

Without a mortgage

$572 a month

Carroll County: $498 a month

Owners with a mortgage

66%

Carroll County: 59%

The typical cost for an owner with a mortgage in Fairfield Plantation is $1,789 a month, more than in Carroll County ($1,477); without one, $572.

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 boundaries of Fairfield Plantation changed since 2015–2019, so the Census does not compare its figures from then and now. In Carroll County, the typical home value rose 85%.

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

MeasureFairfield PlantationCarroll CountyGeorgiaUnited States
Rental vacancy Unreliable estimate3.0%6.8%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 2.762.752.622.53
Drive alone 73%75%71%69%
Carpool Unreliable estimate12%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate2%1%3%
Work from home 15%10%16%15%
Other means Unreliable estimate1%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Much as in Carroll County, a household in Fairfield Plantation has 2.76 people on average.

Working from home is more common in Fairfield Plantation: 15%, against 10% in Carroll County.

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 Fairfield Plantation?

A typical home is tight for the typical income

We start with a typical home in Fairfield Plantation, worth $332,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 31% of the typical household income in Fairfield Plantation, which is $102,984 a year. For that payment to be 28% of income, a household would need to earn about $115,017 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Fairfield Plantation. 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 $11,641 (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

$2,684

at 7.18% · 30 years

Loan amount
$326,576
Total interest
$469,866
Paid off in
November 2056

Includes $5,617 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,403 a month

  • Tight

    $2,403 to $3,090 a month

    Your payment · 31%

  • Hard

    more than $3,090 a month

Compared with the typical household income in Fairfield Plantation ($102,984 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,684
Principal & interest$2,212
Property tax$186
Home insurance$139
FHA mortgage insurance (MIP)$147

You need at least $11,641 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

Fairfield Plantation and Carroll County

Fairfield Plantation is in Carroll 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).

Fairfield Plantation's own numbers

Typical home value
$332,600
Typical monthly rent
$1,783
Typical yearly household income
$102,984
Households that own their home
90%
Effective property tax rate
0.67%

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

Numbers for all of Carroll 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)
+59%
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 Carroll County.

Everything about Carroll County

Buying

Buying a home in Fairfield Plantation

A typical home in Fairfield Plantation is worth $332,600: 30% above the county and 10% above Georgia. With the typical household income in Fairfield Plantation ($102,984 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.

  • Fairfield Plantation 3.2 years
  • Carroll 3.5 years
  • Georgia 3.9 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Carroll County

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

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

Period County Georgia U.S.
Last year (2025) +1.0% +2.2% +2.9%
5 years (2020–2025) +59% +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

Fairfield Plantation next to Carroll 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
  • Fairfield Plantation $332,600
  • Carroll $255,100
  • Georgia $303,300
  • United States $332,700
Typical monthly rent
  • Fairfield Plantation $1,783
  • Carroll $1,153
  • Georgia $1,393
  • United States $1,413
Typical yearly household income
  • Fairfield Plantation $102,984
  • Carroll $73,714
  • Georgia $77,353
  • United States $80,734
See the full table
Fairfield Plantation next to Carroll County and Georgia
Measure Fairfield Plantation Carroll County Georgia U.S.
Typical home value $332,600 $255,100 $303,300 $332,700
Typical monthly rent $1,783 $1,153 $1,393 $1,413
Typical yearly household income $102,984 $73,714 $77,353 $80,734
Households that own their home 90% 71% 66% 65%
Typical yearly property tax $2,213 $1,566 $2,341 $3,119
Effective property tax rate 0.67% 0.61% 0.77% 0.94%

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

For a typical $332,600 home in Fairfield Plantation, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Fairfield Plantation's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,684a month

    Least cash to close
    Down payment
    $11,641
    Cash to close
    $21,619
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $147

  • Conventional, 5% down $2,623a month

    Down payment
    $16,630
    Cash to close
    $26,608
    Rate
    7.18%
    Mortgage insurance
    PMI · $158

  • Conventional, 20% down, no PMI $2,127a month

    Down payment
    $66,520
    Cash to close
    $76,498
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,434a month

    Down payment
    $49,890
    Cash to close
    $59,868
    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 Fairfield Plantation and for Carroll County.

Property tax

Effective rate in Fairfield Plantation

0.67%of the home’s value each year

$2,213 a year for the typical owner in Fairfield Plantation.

  • Fairfield Plantation 0.67%
  • Carroll 0.61%
  • Georgia 0.77%

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

Exemptions and deadlines in Georgia

Flood risk in Carroll County

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

Homes in the high-risk zone
1%
425
Of those, with NFIP insurance
18%
County Georgia U.S.
Homes in the high-risk zone 1% 2% 3.5%
Of those, with NFIP insurance 18% 43% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Fairfield Plantation

Typical rent in Fairfield Plantation is $1,783 a month: 55% above the county.

HUD publishes a fair market rent for all of Carroll 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 Carroll 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 Fairfield Plantation

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Fairfield Plantation is in ZIP code 30180.

For 2 bedrooms it is $1,620: $142 less than the fair market rent for Carroll County ($1,762).

  • 30180 $1,620$1,930

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

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

A man smiles on a bench outside his apartment building.

HUD counseling is free or low-cost

Assistance programs in Fairfield Plantation

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

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

  • Nid-Hca Georgia

    4788 Jonesboro Rd, Bldg B, Ste1, Union City · 23 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 10 more
    (678) 735-6550

  • Nid-Hca Emerson

    4710 Washington Road, College Park · 25 miles away

    • Mortgage delinquency and default
    • Home improvement and repairs
    • and 4 more
    (404) 410-6689

  • Operation Hope- Atlanta- Martin Luther King JR

    3857 Main St, College Park · 28 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 2 more
    (470) 223-0285

All counseling agencies in Georgia

Help in Spanish near Fairfield Plantation

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 Fairfield Plantation

In HUD’s record, no housing authority with an office in Carroll County is named for Fairfield Plantation or Carroll County.

3 other authorities have an office in Carroll County: see the list Source: HUD

Cities

Other cities in Carroll County

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

Everything about Carroll County Housing in Georgia

Nearby cities

The cities closest to Fairfield Plantation, with the typical home value.

Neighboring counties

If Carroll 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 Fairfield Plantation.

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

Questions

Housing questions about Fairfield Plantation

Short answers with the numbers for Fairfield Plantation and all of Carroll 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 Fairfield Plantation?

The typical home value in Fairfield Plantation is $332,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Carroll County it is $255,100.

How much does it cost to rent in Fairfield Plantation?

Typical rent in Fairfield Plantation is $1,783 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Carroll County is $1,762.

What is the FHA loan limit in Fairfield Plantation?

Fairfield Plantation uses the FHA limit for all of Carroll 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 Fairfield Plantation?

The typical homeowner in Fairfield Plantation pays $2,213 a year, according to the U.S. Census Bureau. That is 0.67% of the home’s value; in Carroll County, the rate is 0.61%.

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

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