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City · 45,032 residents · Hall County, Georgia

Gainesville , Georgia

In Gainesville, a typical home is worth $382,200 and typical rent is $1,299 a month. Compared with all of Hall County, typical household income is 17% lower, the typical home value is 9% higher, and the share of households that own their home is 29 points lower.

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  • Typical home value

    $382,200

    9% above the county

    26% above Georgia

    • Gainesville
    • Hall
    • Georgia

  • Typical rent

    $1,299a month

    3% below the county

    7% below Georgia

    • Gainesville
    • Hall
    • Georgia

  • Typical household income

    $66,974a year

    17% below the county

    13% below Georgia

    • Gainesville
    • Hall
    • Georgia

  • Households that own their home

    39%

    29 points below the county

    27 points below Georgia

    • Gainesville
    • Hall
    • Georgia

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

Market now, with Zillow data

Zillow data
Typical home value
$368,969
1.1% less than 12 months ago
Typical rent
$1,662 a month
2.8% more than 12 months ago

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

Gainesville is in Hall 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 Hall County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Gainesville apart

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

  1. 39% of households in Gainesville own their home, against 69% in Hall County.

  2. Nearby, in Oakwood, the typical home value is $306,700: 20% less than in Gainesville ($382,200).

  3. Nearby, in Jefferson, the typical rent is $1,074: 17% less than in Gainesville ($1,299).

  4. The typical household income in Gainesville is $66,974, 17% less than in Hall County as a whole ($80,901).

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

The homes here

Housing in Gainesville

What homes there are in Gainesville, 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 Gainesville; the largest group, detached houses, adds up to 44%, less than in Hall County (72%).

Year built

The typical year built in Gainesville is 1994, about the same as in Hall County (1996).

There are fewer big homes in Gainesville than in Hall County: 51% have 3 bedrooms or more, against 73%.

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

Measured against HUD's 2-bedroom fair market rent ($1,543), about 63% of rented homes in Gainesville cost less.

With a mortgage

$1,811 a month

Hall County: $1,742 a month

Without a mortgage

$659 a month

Hall County: $550 a month

Owners with a mortgage

60%

Hall County: 60%

The typical cost for an owner with a mortgage in Gainesville is $1,811 a month, near the figure in Hall County ($1,742).

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

Much as in Hall County, the typical home value in Gainesville rose 74% since 2015–2019.

The typical rent in Gainesville rose 38% since 2015–2019, about the same as in Hall County (39%).

The typical household income in Gainesville rose 30%: less than home values (+74%) and rent (+38%).

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

MeasureGainesvilleHall CountyGeorgiaUnited States
Rental vacancy 6.7%5.2%6.8%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.1%0.9%
More than one person per room 6.8%5.2%2.4%3.4%
People per household 2.712.862.622.53
Drive alone 68%72%71%69%
Carpool 14%12%9%9%
Public transit 3%1%1%3%
Walk or bike 3%1%1%3%
Work from home 9%12%16%15%
Other means 3%2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

There is more rental housing open in Gainesville: 6.7% is empty and offered for rent, against 5.2% in Hall County.

More households are short on space in Gainesville: 6.8% have more than one person per room; in Hall County, 5.2%.

Fewer people live in each home here: 2.71 on average, against 2.86 in Hall County.

To get to work, 68% of workers in Gainesville drive alone; in Hall County, 72%.

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 Gainesville?

A typical home costs more than the typical income allows

We start with a typical home in Gainesville, worth $382,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 56% of the typical household income in Gainesville, which is $66,974 a year. For that payment to be 28% of income, a household would need to earn about $134,490 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Gainesville. 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 $13,377 (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

$3,138

at 7.18% · 30 years

Loan amount
$375,277
Total interest
$539,936
Paid off in
November 2056

Includes $6,454 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,563 a month

  • Tight

    $1,563 to $2,009 a month

  • Hard

    more than $2,009 a month

    Your payment · 56%

Compared with the typical household income in Gainesville ($66,974 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,138
Principal & interest$2,542
Property tax$268
Home insurance$159
FHA mortgage insurance (MIP)$169

You need at least $13,377 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

Gainesville and Hall County

Gainesville is in Hall 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).

Gainesville's own numbers

Typical home value
$382,200
Typical monthly rent
$1,299
Typical yearly household income
$66,974
Households that own their home
39%
Effective property tax rate
0.84%

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

Numbers for all of Hall County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,543
Price change over 5 years (FHFA)
+68%
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 Hall County.

Everything about Hall County

Buying

Buying a home in Gainesville

A typical home in Gainesville is worth $382,200: 9% above the county and 26% above Georgia. With the typical household income in Gainesville ($66,974 a year), a typical home costs 5.7 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.

  • Gainesville 5.7 years
  • Hall 4.3 years
  • Georgia 3.9 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Hall County

According to FHFA’s house price index, home prices in Hall County rose 128% in the 10 years through 2025.

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

Period County Georgia U.S.
Last year (2025) +2.3% +2.2% +2.9%
5 years (2020–2025) +68% +58% +47%
10 years (2015–2025) +128% +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

Gainesville next to Hall 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
  • Gainesville $382,200
  • Hall $350,400
  • Georgia $303,300
  • United States $332,700
Typical monthly rent
  • Gainesville $1,299
  • Hall $1,341
  • Georgia $1,393
  • United States $1,413
Typical yearly household income
  • Gainesville $66,974
  • Hall $80,901
  • Georgia $77,353
  • United States $80,734
See the full table
Gainesville next to Hall County and Georgia
Measure Gainesville Hall County Georgia U.S.
Typical home value $382,200 $350,400 $303,300 $332,700
Typical monthly rent $1,299 $1,341 $1,393 $1,413
Typical yearly household income $66,974 $80,901 $77,353 $80,734
Households that own their home 39% 69% 66% 65%
Typical yearly property tax $3,226 $2,571 $2,341 $3,119
Effective property tax rate 0.84% 0.73% 0.77% 0.94%
Renters with high rent for their income 58% 53% 52% 51%

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

For a typical $382,200 home in Gainesville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Gainesville's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,138a month

    Least cash to close
    Down payment
    $13,377
    Cash to close
    $24,843
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $169

  • Conventional, 5% down $3,068a month

    Down payment
    $19,110
    Cash to close
    $30,576
    Rate
    7.18%
    Mortgage insurance
    PMI · $182

  • Conventional, 20% down, no PMI $2,498a month

    Down payment
    $76,440
    Cash to close
    $87,906
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,851a month

    Down payment
    $57,330
    Cash to close
    $68,796
    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 Gainesville and for Hall County.

Property tax

Effective rate in Gainesville

0.84%of the home’s value each year

$3,226 a year for the typical owner in Gainesville.

  • Gainesville 0.84%
  • Hall 0.73%
  • Georgia 0.77%

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

Exemptions and deadlines in Georgia

Flood risk in Hall County

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

Homes in the high-risk zone
0.6%
418
Of those, with NFIP insurance
4.6%
County Georgia U.S.
Homes in the high-risk zone 0.6% 2% 3.5%
Of those, with NFIP insurance 4.6% 43% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Gainesville

Typical rent in Gainesville is $1,299 a month: 3% below the county. In Gainesville, 58% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Hall County, by unit size. To pay the 2-bedroom one ($1,543 a month) without spending more than 30% of your income, you would need to earn $29.67 an hour working full time.

HUD fair market rent for all of Hall 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 $1,185 $22.79 $47,400
1 bedroom $1,417 $27.25 $56,680
2 bedrooms $1,543 $29.67 $61,720
3 bedrooms $1,860 $35.77 $74,400
4 bedrooms $2,222 $42.73 $88,880

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 Gainesville

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

For 2 bedrooms it runs from $1,400 in 30507 to $1,560 in 30504.

2 of the 3 are above the fair market rent for Hall County ($1,543).

  • 30501 $1,550$1,870
  • 30504 $1,560$1,880
  • 30507 $1,400$1,690

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

HUD lists 26 buildings with rents for lower incomes in Gainesville. These are the largest.

  • Mcever Vineyards 1235 McEver Rd, Gainesville 30504 221 homes, 220 low-income · 1 bd: 32 · 2 bd: 109 · 3 bd: 78 · In service since 2006 · For families
  • Melrose Homes 750 Pearl Nix Pkwy, Gainesville 30501 200 low-income homes · For families (770) 536-1254
  • Ridgecrest Apartments 1640 Roper Hill Rd, Gainesville 30501 130 low-income homes · For families (770) 536-7749
  • Lake Forest Apts 1360 0tila Drive, Gainesville 30501 117 low-income homes · For families (770) 536-1555
  • Paces Landing Apts 100 Paces Ct, Gainesville 30504 140 homes, 112 low-income · 1 bd: 16 · 2 bd: 112 · 3 bd: 56 · 4 bd: 8 · In service since 2002

See all 27 buildings in Hall County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Gainesville

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

A young woman and a young man point to a line in their notes beside a laptop in a library.

HUD counseling is free or low-cost

Assistance programs in Gainesville

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

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

  • Athens Land Trust, Inc

    685 N Pope St, Athens · 34 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    (706) 613-0122

  • Hancock Community Development Corporation

    300 Henderson Ext, Athens · 34 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 5 more
    (877) 284-4326

  • NSC (naca Counseling Subsidiary) - Atlanta, GA

    3690 N Peachtree Rd, Atlanta · 38 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (404) 377-4545

All counseling agencies in Georgia

Help in Spanish near Gainesville

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 Gainesville

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

  • Housing Authority of the City of Gainesville Public housing (770) 536-1294

All housing agencies in Georgia Source: HUD

Cities

Other cities in Hall County

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

Everything about Hall County Housing in Georgia

Nearby cities

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

Neighboring counties

If Hall 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 Gainesville.

All guides
A father holds his baby and his young son by a white picket fence.

Questions

Housing questions about Gainesville

Short answers with the numbers for Gainesville and all of Hall 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 Gainesville?

The typical home value in Gainesville is $382,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Hall County it is $350,400.

How much does it cost to rent in Gainesville?

Typical rent in Gainesville is $1,299 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Hall County is $1,543.

What is the FHA loan limit in Gainesville?

Gainesville uses the FHA limit for all of Hall 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 Gainesville?

The typical homeowner in Gainesville pays $3,226 a year, according to the U.S. Census Bureau. That is 0.84% of the home’s value; in Hall County, the rate is 0.73%.

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

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