Español

Este sitio también está en español. Leer en español

City · 8,918 residents · Ben Hill County, Georgia

Fitzgerald , Georgia

In Fitzgerald, a typical home is worth $99,000 and typical rent is $670 a month. Compared with all of Ben Hill County, the typical home value is 12% lower, typical household income is 11% lower, and the share of households that own their home is 10 points lower.

WhatsApp

  • Typical home value

    $99,000

    12% below the county

    67% below Georgia

    • Fitzgerald
    • Ben Hill
    • Georgia

  • Typical rent

    $670a month

    3% below the county

    52% below Georgia

    • Fitzgerald
    • Ben Hill
    • Georgia

  • Typical household income

    $37,323a year

    11% below the county

    52% below Georgia

    • Fitzgerald
    • Ben Hill
    • Georgia

  • Households that own their home

    54%

    10 points below the county

    12 points below Georgia

    • Fitzgerald
    • Ben Hill
    • Georgia

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

Market now, with Zillow data

Zillow data
Typical home value
$126,309
1.4% less than 12 months ago

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

Fitzgerald is in Ben Hill 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 Ben Hill County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Fitzgerald apart

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

  1. Fitzgerald has the lowest typical rent of the 162 cities in Georgia with more than 5,000 people: $670.

  2. Fitzgerald has the 3rd lowest typical home value of the 164 cities in Georgia with more than 5,000 people ($99,000).

  3. Fitzgerald has the 4th lowest typical household income of the 162 cities in Georgia with more than 5,000 people ($37,323).

  4. 54% of households in Fitzgerald own their home, against 63% in Ben Hill County.

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

The homes here

Housing in Fitzgerald

What homes there are in Fitzgerald, 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 Fitzgerald, 7 in 10 homes are single-family detached houses; in Ben Hill County, 6.

Year built

The typical home in Fitzgerald was built in 1971, 10 years before the typical one in Ben Hill County.

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 HUD fair market rent of $1,002 for 2 bedrooms, at least 72% of rented homes in Fitzgerald sit below it.

With a mortgage

$994 a month

Ben Hill County: $1,166 a month

Without a mortgage

$370 a month

Ben Hill County: $395 a month

Owners with a mortgage

36%

Ben Hill County: 41%

Owning costs less in Fitzgerald: with a mortgage, the typical cost is $994 a month; in Ben Hill County, $1,166. Without one, $370.

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 Fitzgerald stayed about the same since 2015–2019: the Census sees no clear change.

Since 2015–2019, the typical rent in Fitzgerald did not change clearly, according to the Census.

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

MeasureFitzgeraldBen Hill 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 2.242.372.622.53
Drive alone 83%83%71%69%
Carpool Unreliable estimate6%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimateUnreliable estimate1%3%
Work from home Unreliable estimate6%16%15%
Other means Unreliable estimateUnreliable estimate2%2%
Typical commute Unreliable estimate10 to 19 minutes20 to 29 minutes20 to 29 minutes

Households in Fitzgerald are smaller: 2.24 people on average; in Ben Hill County, 2.37.

In Fitzgerald, 83% of workers drive alone to work; in Ben Hill County, 83%.

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 Fitzgerald?

A typical home is within reach of the typical income

We start with a typical home in Fitzgerald, worth $99,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 27% of the typical household income in Fitzgerald, which is $37,323 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Fitzgerald. 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 $3,465 (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

$843

at 7.18% · 30 years

Loan amount
$97,207
Total interest
$139,858
Paid off in
November 2056

Includes $1,672 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $871 a month

    Your payment · 27%

  • Tight

    $871 to $1,120 a month

  • Hard

    more than $1,120 a month

Compared with the typical household income in Fitzgerald ($37,323 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$843
Principal & interest$659
Property tax$99
Home insurance$41
FHA mortgage insurance (MIP)$44

You need at least $3,465 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

Fitzgerald and Ben Hill County

Fitzgerald is in Ben Hill 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).

Fitzgerald's own numbers

Typical home value
$99,000
Typical monthly rent
$670
Typical yearly household income
$37,323
Households that own their home
54%
Effective property tax rate
1.2%

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

Numbers for all of Ben Hill County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,002
Price change over 5 years (FHFA)
+35%
Homes in a high flood-risk zone
1.9%

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 Ben Hill County.

Everything about Ben Hill County

Buying

Buying a home in Fitzgerald

A typical home in Fitzgerald is worth $99,000: 12% below the county and 67% below Georgia. With the typical household income in Fitzgerald ($37,323 a year), a typical home costs 2.7 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.

  • Fitzgerald 2.7 years
  • Ben Hill 2.7 years
  • Georgia 3.9 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Ben Hill County

According to FHFA’s house price index, home prices in Ben Hill County rose 57% in the 10 years through 2025.

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

Period County Georgia U.S.
Last year (2025) −13.1% +2.2% +2.9%
5 years (2020–2025) +35% +58% +47%
10 years (2015–2025) +57% +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

Fitzgerald next to Ben Hill 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
  • Fitzgerald $99,000
  • Ben Hill $112,700
  • Georgia $303,300
  • United States $332,700
Typical monthly rent
  • Fitzgerald $670
  • Ben Hill $688
  • Georgia $1,393
  • United States $1,413
Typical yearly household income
  • Fitzgerald $37,323
  • Ben Hill $41,758
  • Georgia $77,353
  • United States $80,734
See the full table
Fitzgerald next to Ben Hill County and Georgia
Measure Fitzgerald Ben Hill County Georgia U.S.
Typical home value $99,000 $112,700 $303,300 $332,700
Typical monthly rent $670 $688 $1,393 $1,413
Typical yearly household income $37,323 $41,758 $77,353 $80,734
Households that own their home 54% 63% 66% 65%
Typical yearly property tax $1,191 $1,210 $2,341 $3,119
Effective property tax rate 1.2% 1.07% 0.77% 0.94%
Renters with high rent for their income 50% 41% 52% 51%

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

For a typical $99,000 home in Fitzgerald, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Fitzgerald's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $843a month

    Least cash to close
    Down payment
    $3,465
    Cash to close
    $6,435
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $44

  • Conventional, 5% down $824a month

    Down payment
    $4,950
    Cash to close
    $7,920
    Rate
    7.18%
    Mortgage insurance
    PMI · $47

  • Conventional, 20% down, no PMI $677a month

    Down payment
    $19,800
    Cash to close
    $22,770
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $768a month

    Down payment
    $14,850
    Cash to close
    $17,820
    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 Fitzgerald and for Ben Hill County.

Property tax

Effective rate in Fitzgerald

1.2%of the home’s value each year

$1,191 a year for the typical owner in Fitzgerald.

  • Fitzgerald 1.2%
  • Ben Hill 1.07%
  • Georgia 0.77%

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

Exemptions and deadlines in Georgia

Flood risk in Ben Hill County

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

Homes in the high-risk zone
1.9%
137
Of those, with NFIP insurance
12%
County Georgia U.S.
Homes in the high-risk zone 1.9% 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 Fitzgerald

Typical rent in Fitzgerald is $670 a month: 3% below the county. In Fitzgerald, 50% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Ben Hill County, by unit size. To pay the 2-bedroom one ($1,002 a month) without spending more than 30% of your income, you would need to earn $19.27 an hour working full time.

HUD fair market rent for all of Ben Hill 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 $846 $16.27 $33,840
1 bedroom $851 $16.37 $34,040
2 bedrooms $1,002 $19.27 $40,080
3 bedrooms $1,194 $22.96 $47,760
4 bedrooms $1,675 $32.21 $67,000

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 Fitzgerald

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Fitzgerald is in ZIP code 31750.

For 2 bedrooms it is $1,030: $28 more than the fair market rent for Ben Hill County ($1,002).

  • 31750 $1,030$1,230

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

HUD lists 9 buildings with rents for lower incomes in Fitzgerald. These are the largest.

  • Scattered Sites 342 Butler Ct, Fitzgerald 31750 221 low-income homes · Run by Housing Authority of the City of Fitzgerald · Average payment: $374 a month · Average wait: 4 months · Homes at several sites (229) 423-3755
  • Fitzgerald Summit Apartments 318 S Grant St, Fitzgerald 31750 84 low-income homes · For older adults (229) 423-5707
  • Village of Ben Hill 216 Dewey McGlamry Rd, Fitzgerald 31750 80 low-income homes · 1 bd: 16 · 2 bd: 40 · 3 bd: 24 · In service since 2018 · For families
  • Bridgecreek Apartments 173 Bowens Mill Hwy, Fitzgerald 31750 71 low-income homes · In service since 2008 · For families (229) 423-9797
  • Jack Allen 160 Wilson Ave, Fitzgerald 31750 60 homes, 54 low-income · 1 bd: 8 · 2 bd: 26 · 3 bd: 26 · In service since 2004

See all 9 buildings in Ben Hill County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Fitzgerald

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

A man listens closely, seated at a meeting table.

HUD counseling is free or low-cost

Assistance programs in Fitzgerald

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

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

  • Family Visions Outreach, Inc.

    601 West Price St., Sylvester · 37 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (229) 777-7704

  • City of Albany, Georgia

    230 S Jackson St Ste 315, Albany · 54 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (229) 483-7650

  • Nid-Hca Albany (FLETCHER)

    230 S Jackson St Ste 154, Albany · 54 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (229) 317-4745

All counseling agencies in Georgia

Help in Spanish near Fitzgerald

1 of the 3 agencies on this list says it serves 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 Fitzgerald

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

  • Housing Authority of the City of Fitzgerald Public housing (229) 423-3755

All housing agencies in Georgia Source: HUD

Cities

Nearby cities

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

Everything about Ben Hill County Housing in Georgia

Neighboring counties

If Ben Hill 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 Fitzgerald.

All guides
Two parents walk hand in hand with their little daughter.

Questions

Housing questions about Fitzgerald

Short answers with the numbers for Fitzgerald and all of Ben Hill 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 Fitzgerald?

The typical home value in Fitzgerald is $99,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Ben Hill County it is $112,700.

How much does it cost to rent in Fitzgerald?

Typical rent in Fitzgerald is $670 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Ben Hill County is $1,002.

What is the FHA loan limit in Fitzgerald?

Fitzgerald uses the FHA limit for all of Ben Hill 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 Fitzgerald?

The typical homeowner in Fitzgerald pays $1,191 a year, according to the U.S. Census Bureau. That is 1.2% of the home’s value; in Ben Hill County, the rate is 1.07%.

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

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