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City · 9,285 residents · Liberty County, Georgia

Fort Stewart , Georgia

In Fort Stewart, typical rent is $1,642 a month. Compared with all of Liberty County, typical rent is 32% higher and typical household income is 12% lower.

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  • Typical rent

    $1,642a month

    32% above the county

    18% above Georgia

    • Fort Stewart
    • Liberty
    • Georgia

  • Typical household income

    $53,500a year

    12% below the county

    31% below Georgia

    • Fort Stewart
    • Liberty
    • Georgia

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

Fort Stewart is in Liberty 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 Liberty County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Fort Stewart apart

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

  1. Nearby, in Jesup, the typical rent is $696: 58% less than in Fort Stewart ($1,642).

  2. The typical rent in Fort Stewart is $1,642 a month, 32% more than in Liberty County as a whole ($1,246).

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

The homes here

Housing in Fort Stewart

What homes there are in Fort Stewart, 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

No kind of home is the majority in Fort Stewart; the largest group, buildings of 2 to 4 homes, adds up to 48%, against 10% in Liberty County.

Year built

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

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

Fort Stewart does not have the same boundaries as in 2015–2019: that is why there is no change to compare. For reference, in Liberty County the typical home value rose 62%.

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

MeasureFort StewartLiberty CountyGeorgiaUnited States
Rental vacancy 11.6%7.5%6.8%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.1%0.9%
More than one person per room Unreliable estimate2.1%2.4%3.4%
People per household 3.452.702.622.53
Drive alone 70%79%71%69%
Carpool 15%10%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike 11%2%1%3%
Work from home 4%8%16%15%
Other means Unreliable estimateUnreliable estimate2%2%
Typical commute Unreliable estimate10 to 19 minutes20 to 29 minutes20 to 29 minutes

There is more rental housing open in Fort Stewart: 11.6% is empty and offered for rent, against 7.5% in Liberty County.

Households in Fort Stewart are bigger: 3.45 people on average; in Liberty County, 2.70.

Many here get to work on foot or by bike: 11%, more than in Liberty County (2%).

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 Fort Stewart?

The Census Bureau publishes no typical home value or typical household income for Fort Stewart, so we don't measure how heavy the payment is. Enter your own numbers in the calculator. The Census Bureau publishes no typical home value for Fort Stewart, so the calculator starts with the one for Liberty County: $201,500. The rate is Freddie Mac’s weekly average (7.18%, November 5, 2026); yours may be different. The FHA and conventional loan limits are those of all of Liberty County. Change the price, the down payment or the loan type and see how your payment changes.

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

Your numbers

Local data
$

Starts at the typical home value in Fort Stewart. 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 $7,053 (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

$1,688

at 7.18% · 30 years

Loan amount
$197,850
Total interest
$284,659
Paid off in
November 2056

Includes $3,403 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,248 a month

  • Tight

    $1,248 to $1,605 a month

  • Hard

    more than $1,605 a month

    Your payment · 38%

Compared with the typical household income in Fort Stewart ($53,500 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,688
Principal & interest$1,340
Property tax$175
Home insurance$84
FHA mortgage insurance (MIP)$89

You need at least $7,053 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

Fort Stewart and Liberty County

Fort Stewart is in Liberty 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 Stewart's own numbers

Typical monthly rent
$1,642
Typical yearly household income
$53,500

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

Numbers for all of Liberty County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,396
Price change over 5 years (FHFA)
+76%
Homes in a high flood-risk zone
10%

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 Liberty County.

Everything about Liberty County

Buying

Buying a home in Fort Stewart

The Census Bureau publishes no typical home value for Fort Stewart. Below are the numbers for Liberty County.

How prices have changed in Liberty County

According to FHFA’s house price index, home prices in Liberty County rose 99% in the 10 years through 2025.

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

Period County Georgia U.S.
Last year (2025) +5.8% +2.2% +2.9%
5 years (2020–2025) +76% +58% +47%
10 years (2015–2025) +99% +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 Stewart next to Liberty County, Georgia and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical monthly rent
  • Fort Stewart $1,642
  • Liberty $1,246
  • Georgia $1,393
  • United States $1,413
Typical yearly household income
  • Fort Stewart $53,500
  • Liberty $60,456
  • Georgia $77,353
  • United States $80,734
See the full table
Fort Stewart next to Liberty County and Georgia
Measure Fort Stewart Liberty County Georgia U.S.
Typical monthly rent $1,642 $1,246 $1,393 $1,413
Typical yearly household income $53,500 $60,456 $77,353 $80,734
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 Liberty 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 Stewart

The Census Bureau publishes no typical home value for Fort Stewart, so we don't build this table. You can enter the price you're looking for in the calculator above.

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 Fort Stewart and for Liberty County.

Flood risk in Liberty County

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

Homes in the high-risk zone
10%
2,291
Of those, with NFIP insurance
40%
County Georgia U.S.
Homes in the high-risk zone 10% 2% 3.5%
Of those, with NFIP insurance 40% 43% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Fort Stewart

Typical rent in Fort Stewart is $1,642 a month: 32% above the county. In Fort Stewart, 54% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Liberty County, by unit size. To pay the 2-bedroom one ($1,396 a month) without spending more than 30% of your income, you would need to earn $26.85 an hour working full time.

HUD fair market rent for all of Liberty 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 $1,221 $23.48 $48,840
1 bedroom $1,228 $23.62 $49,120
2 bedrooms $1,396 $26.85 $55,840
3 bedrooms $1,815 $34.90 $72,600
4 bedrooms $2,333 $44.87 $93,320

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 Stewart

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Fort Stewart has 2 ZIP codes with their own.

For 2 bedrooms it runs from $1,530 in 31314 to $1,760 in 31315.

2 of the 2 are above the fair market rent for Liberty County ($1,396).

  • 31314 $1,530$1,990
  • 31315 $1,760$2,290

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

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 Liberty County; 1 says it serves in Spanish.

A young man and a young woman look something up together on a laptop.

HUD counseling is free or low-cost

Assistance programs in Fort Stewart

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

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

  • Jcvision and Associates, Inc

    135 E Ml King Jr Dr, Hinesville · 3 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 9 more
    (912) 877-4243

  • Credit.org - Savannah, GA Branch

    100 Bull St, Savannah · 33 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and credit workshops
    • and 4 more
    (800) 431-8157

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

    515 Denmark Street Suite 700, Statesboro · 41 miles away

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

Every agency in Liberty County All counseling agencies in Georgia

Help in Spanish near Fort Stewart

2 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 Fort Stewart

In HUD’s record, no housing authority with an office in Liberty County is named for Fort Stewart or Liberty County.

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

Cities

Other cities in Liberty County

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

Everything about Liberty County Housing in Georgia

Nearby cities

The cities closest to Fort Stewart, with the typical home value.

Neighboring counties

If Liberty 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 Fort Stewart.

All guides
Three women of one family talk as they cook vegetables in the kitchen.

Questions

Housing questions about Fort Stewart

Short answers with the numbers for Fort Stewart and all of Liberty County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does it cost to rent in Fort Stewart?

Typical rent in Fort Stewart is $1,642 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Liberty County is $1,396.

What is the FHA loan limit in Fort Stewart?

Fort Stewart uses the FHA limit for all of Liberty County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

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

There is 1 HUD-approved counseling agency with an office in Liberty County. 1 says it serves in Spanish. 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).