In Fort Oglethorpe, a typical home is worth $199,700 and typical rent is $937 a month. Compared with all of Catoosa County, typical household income is 31% lower, the typical home value is 17% lower, and the share of households that own their home is 27 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $188,638 to $243,417.
Typical rent
$1,287a month
Typical rent from Zillow, December 2025 to September 2026: from $1,245 to $1,287.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Fort Oglethorpe is in Catoosa 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 Catoosa County. See the county
What this place has that others do not, from public data, most unusual first.
1
47% of households in Fort Oglethorpe own their home, against 74% in Catoosa County.
2
Nearby, in LaFayette, the typical home value is $144,800: 27% less than in Fort Oglethorpe ($199,700).
3
The typical household income in Fort Oglethorpe is $51,867,31% less than in Catoosa County as a whole ($74,639).
4
The typical home in Fort Oglethorpe is worth $199,700,17% less than in Catoosa County as a whole ($240,900).
5
Fort Oglethorpe has the 12th smallest share of rent-burdened renters of the 157 cities in Georgia with more than 5,000 people (41%).
6
16% of households in Fort Oglethorpe have no internet at home (9% in Catoosa County).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Fort Oglethorpe
What homes there are in Fort Oglethorpe, 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
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Fort Oglethorpe
Catoosa County
Georgia
United States
Kind of home: Fort Oglethorpe and its comparisons
Measure
Fort Oglethorpe
Catoosa County
Georgia
United States
Detached house
45%
73%
66%
61%
Attached house
9%
4%
4%
6%
Building of 2 to 4
25%
9%
5%
8%
Apartments (5 or more)
21%
5%
16%
19%
Mobile home
Unreliable estimate
9%
8%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Homes in Fort Oglethorpe are varied: detached houses are the largest group, at 45%, against 73% in Catoosa County.
Year built
Before 19601960–19791980–19992000–20092010 or later
Fort Oglethorpe
Catoosa County
Georgia
United States
Year built: Fort Oglethorpe and its comparisons
Measure
Fort Oglethorpe
Catoosa County
Georgia
United States
Before 1960
18%
11%
12%
26%
1960–1979
21%
23%
20%
24%
1980–1999
18%
31%
33%
25%
2000–2009
32%
26%
21%
14%
2010 or later
12%
10%
14%
11%
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K43%
$200K–$300K36%
$300K–$500K10%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Fort Oglethorpe and its comparisons
Measure
Fort Oglethorpe
Under $100K
Unreliable estimate
$100K–$200K
43%
$200K–$300K
36%
$300K–$500K
10%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99950%
$1,000–$1,49933%
$1,500–$1,9999%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Fort Oglethorpe and its comparisons
Measure
Fort Oglethorpe
Under $500
Unreliable estimate
$500–$999
50%
$1,000–$1,499
33%
$1,500–$1,999
9%
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$1,243 a month
Catoosa County: $1,377 a month
Without a mortgage
$324 a month
Catoosa County: $412 a month
Owners with a mortgage
66%
Catoosa County: 60%
In Fort Oglethorpe, 66% of owners have a mortgage, and their typical cost is $1,243 a month, against $1,377 in Catoosa County. Without one it drops to $324.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Fort Oglethorpe+56%
Catoosa County+67%
Georgia+72%
United States+53%
Typical rent
Fort Oglethorpe+24%
Catoosa County+28%
Georgia+39%
United States+33%
Typical household income
Fort OglethorpeNo clear change
Catoosa County+33%
Georgia+32%
United States+29%
Change since 2015–2019: Fort Oglethorpe and its comparisons
Measure
Fort Oglethorpe
Catoosa County
Georgia
United States
Typical home value
+56%
+67%
+72%
+53%
Typical rent
+24%
+28%
+39%
+33%
Typical household income
No clear change
+33%
+32%
+29%
Homes in Fort Oglethorpe gained value more slowly than in Catoosa County: 56% since 2015–2019, against 67%.
The typical rent in Fort Oglethorpe rose 24% over the same time; in Catoosa County, it rose 28%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Fort Oglethorpe and its comparisons
Measure
Fort Oglethorpe
Catoosa County
Georgia
United States
Rental vacancy
Unreliable estimate
Unreliable estimate
6.8%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
1.1%
0.9%
More than one person per room
Unreliable estimate
2.4%
2.4%
3.4%
People per household
2.18
2.56
2.62
2.53
Drive alone
84%
78%
71%
69%
Carpool
8%
11%
9%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
Unreliable estimate
1%
3%
Work from home
7%
10%
16%
15%
Other means
Unreliable estimate
Unreliable estimate
2%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
Households in Fort Oglethorpe are smaller: 2.18 people on average; in Catoosa County, 2.56.
To get to work, 84% of workers in Fort Oglethorpe drive alone; in Catoosa County, 78%.
Do the math
What would you pay each month for a home in Fort Oglethorpe?
A typical home costs more than the typical income allows
We start with a typical home in Fort Oglethorpe, worth $199,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 38% of the typical household income in Fort Oglethorpe, which is $51,867 a year. For that payment to be 28% of income, a household would need to earn about $69,772 a year.
The calculator's FHA and conventional loan limits are those of all of Catoosa County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Fort Oglethorpe. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $6,990 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$1,628
at 7.18% · 30 years
Loan amount
$196,082
Total interest
$282,117
Paid off in
November 2056
Includes $3,372 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,210 a month
Tight
$1,210 to $1,556 a month
Hard
more than $1,556 a month
Your payment · 38%
Compared with the typical household income in Fort Oglethorpe ($51,867 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,328
Property tax
$128
Home insurance
$83
FHA mortgage insurance (MIP)
$88
You need at least $6,990 for the down payment, plus closing costs.
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.
Total monthly payment $1,628; principal and interest $1,328.
The city and its county
Fort Oglethorpe and Catoosa County
Fort Oglethorpe is in Catoosa 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).
Fort Oglethorpe
Map of Catoosa County, Georgia, with Fort Oglethorpe marked. Around it, the neighboring counties.
Fort Oglethorpe
Catoosa County
Other cities with a page
Fort Oglethorpe's own numbers
Typical home value
$199,700
Typical monthly rent
$937
Typical yearly household income
$51,867
Households that own their home
47%
Effective property tax rate
0.77%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Catoosa County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,340
Price change over 5 years (FHFA)
+61%
Homes in a high flood-risk zone
3.4%
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 Catoosa County.
A typical home in Fort Oglethorpe is worth $199,700: 17% below the county and 34% below Georgia. With the typical household income in Fort Oglethorpe ($51,867 a year), a typical home costs 3.9 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.
Fort Oglethorpe3.9 years
Catoosa3.2 years
Georgia3.9 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Catoosa County
According to FHFA’s house price index, home prices in Catoosa County rose 107% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Catoosa County.
Yearly change in FHFA’s price index in Catoosa County, 2016 to 2025
2016: +2.8% +2.8% 2016
2017: +3.8% +3.8% 2017
2018: +8.0% +8.0% 2018
2019: +5.5% +5.5% 2019
2020: +5.4% +5.4% 2020
2021: +13.7% +13.7% 2021
2022: +19.0% +19.0% 2022
2023: +13.1% +13.1% 2023
2024: +2.9% +2.9% 2024
2025: +2.5% +2.5% 2025
Change in FHFA’s price index in Catoosa County, Georgia and the United States
Period
County
Georgia
U.S.
Last year (2025)
+2.5%
+2.2%
+2.9%
5 years (2020–2025)
+61%
+58%
+47%
10 years (2015–2025)
+107%
+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
Fort Oglethorpe next to Catoosa 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
Fort Oglethorpe$199,700
Catoosa$240,900
Georgia$303,300
United States$332,700
Typical monthly rent
Fort Oglethorpe$937
Catoosa$993
Georgia$1,393
United States$1,413
Typical yearly household income
Fort Oglethorpe$51,867
Catoosa$74,639
Georgia$77,353
United States$80,734
See the full table
Fort Oglethorpe next to Catoosa County and Georgia
Measure
Fort Oglethorpe
Catoosa County
Georgia
U.S.
Typical home value
$199,700 ▼17% below the county
$240,900
$303,300
$332,700
Typical monthly rent
$937 ▼6% below the county
$993
$1,393
$1,413
Typical yearly household income
$51,867 ▼31% below the county
$74,639
$77,353
$80,734
Households that own their home
47% ▼27 points below the county
74%
66%
65%
Typical yearly property tax
$1,536
$1,566
$2,341
$3,119
Effective property tax rate
0.77% ▲0.12 points above the county
0.65%
0.77%
0.94%
Renters with high rent for their income
41% ▼3 points below the county
43%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Catoosa 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 Fort Oglethorpe
For a typical $199,700 home in Fort Oglethorpe, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Fort Oglethorpe's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,628a month
Least cash to close
Down payment
$6,990
Cash to close
$12,981
Rate
7.18%
Mortgage insurance
FHA MIP · $88
Conventional, 5% down$1,591a month
Down payment
$9,985
Cash to close
$15,976
Rate
7.18%
Mortgage insurance
PMI · $95
Conventional, 20% down, no PMI$1,294a month
Down payment
$39,940
Cash to close
$45,931
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,478a month
Down payment
$29,955
Cash to close
$35,946
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Fort Oglethorpe
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,628
$6,990
$196,083
7.18%
FHA MIP · $88
$12,981
580
Conventional, 5% down
$1,591
$9,985
$189,715
7.18%
PMI · $95
$15,976
620*
Conventional, 20% down, no PMI
$1,294
$39,940
$159,760
7.18%
None
$45,931
620*
ITIN, 15% down (example)
$1,478
$29,955
$169,745
8.18%
None
$35,946
Set by the lender
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.
Typical rent in Fort Oglethorpe is $937 a month: 6% below the county. In Fort Oglethorpe, 41% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Catoosa County, by unit size. To pay the 2-bedroom one ($1,340 a month) without spending more than 30% of your income, you would need to earn $25.77 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Catoosa County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,181
$22.71
$47,240
1 bedroom
$1,231
$23.67
$49,240
2 bedrooms
$1,340
$25.77
$53,600
3 bedrooms
$1,657
$31.87
$66,280
4 bedrooms
$1,761
$33.87
$70,440
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 Fort Oglethorpe
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Fort Oglethorpe has 3 ZIP codes with their own.
For 2 bedrooms it runs from $1,180 in 30736 to $1,200 in 30742.
None is above the fair market rent for Catoosa County ($1,340).
2-bedroom fair market rent in each of the 3 ZIP codes of Fort Oglethorpe, beside the one for Catoosa County. For 2 bedrooms it runs from $1,180 in 30736 to $1,200 in 30742. None is above the fair market rent for Catoosa County ($1,340).
2-bedroom fair market rent in each ZIP code
Each line is one ZIP code: in color, those above the county's fair market rent; in gray, the rest.
County: $1,340
Lowest: $1,180 (30736)Highest: $1,200 (30742)
Fair market rent by ZIP code and size in Fort Oglethorpe, fiscal year 2027.
30736
$1,040
$1,080
$1,180
$1,460
$1,560
30741
$1,060
$1,100
$1,200
$1,480
$1,580
30742
$1,060
$1,100
$1,200
$1,480
$1,580
ZIP code2 bd3 bd
30736 $1,180$1,460
30741 $1,200$1,480
30742 $1,200$1,480
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Fort Oglethorpe 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
HUD lists 4 buildings with rents for lower incomes in Fort Oglethorpe. These are the largest.
Battlewood Apartments1830A Fant Dr, Fort Oglethorpe 30742150 homes, 123 low-income · For families
Catoosa Gardens Apartment99 Lilac Ln, Fort Oglethorpe 30742101 low-income homes · For older adults(706) 861-3712
Oglethorpe Ridge Apartments1252 Cloud Springs Ln, Fort Oglethorpe 3074297 low-income homes · 1 bd: 5 · 2 bd: 46 · 3 bd: 46 · In service since 1997
Post Homes202 Hays St, Fort Oglethorpe 3074274 low-income homes · Run by Housing Authority of the City of Fort Oglethorpe · Average payment: $470 a month · Average wait: 55 months(706) 866-3303
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 Catoosa County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Fort Oglethorpe or Catoosa County. The ones below are statewide in Georgia: they work in Fort Oglethorpe the same as in the rest of the state.
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.
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.
The HUD-approved agencies closest to the center of Fort Oglethorpe, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
DC
Dalton-Whitfield Community Dev. Corp.
710 S Thornton Ave, Dalton · 19 miles away · Spanish
No legal help resource on our list is for Fort Oglethorpe or Catoosa County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Fort Oglethorpe and all of Catoosa 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 Fort Oglethorpe?
The typical home value in Fort Oglethorpe is $199,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Catoosa County it is $240,900.
How much does it cost to rent in Fort Oglethorpe?
Typical rent in Fort Oglethorpe is $937 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Catoosa County is $1,340.
What is the FHA loan limit in Fort Oglethorpe?
Fort Oglethorpe uses the FHA limit for all of Catoosa 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 Fort Oglethorpe?
The typical homeowner in Fort Oglethorpe pays $1,536 a year, according to the U.S. Census Bureau. That is 0.77% of the home’s value; in Catoosa County, the rate is 0.65%.
Where can I find free help to buy or rent in Fort Oglethorpe?
We found no HUD-approved counseling agencies with an office in Catoosa County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
