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City · 23,761 residents · Spalding County, Georgia

Griffin , Georgia

In Griffin, a typical home is worth $220,900 and typical rent is $1,110 a month. Compared with all of Spalding County, typical household income is 30% lower and the share of households that own their home is 25 points lower.

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  • Typical home value

    $220,900

    3% below the county

    27% below Georgia

    • Griffin
    • Spalding
    • Georgia

  • Typical rent

    $1,110a month

    About the same as the county

    20% below Georgia

    • Griffin
    • Spalding
    • Georgia

  • Typical household income

    $43,632a year

    30% below the county

    44% below Georgia

    • Griffin
    • Spalding
    • Georgia

  • Households that own their home

    38%

    25 points below the county

    28 points below Georgia

    • Griffin
    • Spalding
    • Georgia

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

Market now, with Zillow data

Zillow data
Typical home value
$237,956
1.7% less than 12 months ago
Typical rent
$1,330 a month
2.5% more than 12 months ago

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

Griffin is in Spalding 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 Spalding County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Griffin apart

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

  1. 38% of households in Griffin own their home, against 63% in Spalding County.

  2. The typical household income in Griffin is $43,632, 30% less than in Spalding County as a whole ($62,071).

  3. Nearby, in Barnesville, the typical rent is $846: 24% less than in Griffin ($1,110).

  4. Nearby, in Barnesville, the typical home value is $176,500: 20% less than in Griffin ($220,900).

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

The homes here

Housing in Griffin

What homes there are in Griffin, 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

The detached house is still the most common home in Griffin, but it weighs less than in Spalding County: 60% against 77%.

Year built

In Griffin, half of the homes were built before 1976; in Spalding County, before 1985.

There are fewer big homes in Griffin than in Spalding County: 50% have 3 bedrooms or more, against 67%.

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

The FHA limit for Spalding County is high ($718,750): at least 96% of owner-occupied homes in Griffin are worth less than $500,000.

Monthly rent with utilities

With a mortgage

$1,478 a month

Spalding County: $1,453 a month

Without a mortgage

$563 a month

Spalding County: $551 a month

Owners with a mortgage

63%

Spalding County: 62%

The typical cost for an owner with a mortgage in Griffin is $1,478 a month, near the figure in Spalding County ($1,453).

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

Since 2015–2019, homes in Griffin gained value faster than in Spalding County: 115% against 86%.

Much as in Spalding County, the typical rent in Griffin rose 28% since 2015–2019.

Housing prices ran ahead of income in Griffin: typical income rose 18%, against +115% for home values and +28% for rent.

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

MeasureGriffinSpalding CountyGeorgiaUnited States
Rental vacancy 5.5%6.3%6.8%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.1%0.9%
More than one person per room Unreliable estimate2.2%2.4%3.4%
People per household 2.462.572.622.53
Drive alone 79%80%71%69%
Carpool 12%11%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimateUnreliable estimate1%3%
Work from home 5%7%16%15%
Other means Unreliable estimate2%2%2%
Typical commute 10 to 19 minutesUnreliable estimate20 to 29 minutes20 to 29 minutes

In Griffin, the rental vacancy rate is 5.5%, about the same as in Spalding County.

A household in Griffin has 2.46 people on average, about the same as in Spalding County (2.57).

In Griffin, 79% of workers drive alone to work; in Spalding County, 80%.

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 Griffin?

A typical home costs more than the typical income allows

We start with a typical home in Griffin, worth $220,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 51% of the typical household income in Griffin, which is $43,632 a year. For that payment to be 28% of income, a household would need to earn about $79,309 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Griffin. 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 $7,732 (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

$1,851

at 7.18% · 30 years

Loan amount
$216,898
Total interest
$312,066
Paid off in
November 2056

Includes $3,730 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,018 a month

  • Tight

    $1,018 to $1,309 a month

  • Hard

    more than $1,309 a month

    Your payment · 51%

Compared with the typical household income in Griffin ($43,632 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,851
Principal & interest$1,469
Property tax$191
Home insurance$92
FHA mortgage insurance (MIP)$98

You need at least $7,732 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

Griffin and Spalding County

Griffin is in Spalding 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).

Griffin's own numbers

Typical home value
$220,900
Typical monthly rent
$1,110
Typical yearly household income
$43,632
Households that own their home
38%
Effective property tax rate
1.04%

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

Numbers for all of Spalding 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)
+62%
Homes in a high flood-risk zone
0.9%

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 Spalding County.

Everything about Spalding County

Buying

Buying a home in Griffin

A typical home in Griffin is worth $220,900: 3% below the county and 27% below Georgia. With the typical household income in Griffin ($43,632 a year), a typical home costs 5.1 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.

  • Griffin 5.1 years
  • Spalding 3.7 years
  • Georgia 3.9 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Spalding County

According to FHFA’s house price index, home prices in Spalding County rose 132% in the 10 years through 2025.

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

Period County Georgia U.S.
Last year (2025) +2.5% +2.2% +2.9%
5 years (2020–2025) +62% +58% +47%
10 years (2015–2025) +132% +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

Griffin next to Spalding 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
  • Griffin $220,900
  • Spalding $228,700
  • Georgia $303,300
  • United States $332,700
Typical monthly rent
  • Griffin $1,110
  • Spalding $1,113
  • Georgia $1,393
  • United States $1,413
Typical yearly household income
  • Griffin $43,632
  • Spalding $62,071
  • Georgia $77,353
  • United States $80,734
See the full table
Griffin next to Spalding County and Georgia
Measure Griffin Spalding County Georgia U.S.
Typical home value $220,900 $228,700 $303,300 $332,700
Typical monthly rent $1,110 $1,113 $1,393 $1,413
Typical yearly household income $43,632 $62,071 $77,353 $80,734
Households that own their home 38% 63% 66% 65%
Typical yearly property tax $2,297 $2,142 $2,341 $3,119
Effective property tax rate 1.04% 0.94% 0.77% 0.94%
Renters with high rent for their income 59% 54% 52% 51%

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

For a typical $220,900 home in Griffin, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Griffin's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,851a month

    Least cash to close
    Down payment
    $7,732
    Cash to close
    $14,359
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $98

  • Conventional, 5% down $1,810a month

    Down payment
    $11,045
    Cash to close
    $17,672
    Rate
    7.18%
    Mortgage insurance
    PMI · $105

  • Conventional, 20% down, no PMI $1,481a month

    Down payment
    $44,180
    Cash to close
    $50,807
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,685a month

    Down payment
    $33,135
    Cash to close
    $39,762
    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 Griffin and for Spalding County.

Property tax

Effective rate in Griffin

1.04%of the home’s value each year

$2,297 a year for the typical owner in Griffin.

  • Griffin 1.04%
  • Spalding 0.94%
  • Georgia 0.77%

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

Exemptions and deadlines in Georgia

Flood risk in Spalding County

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

Homes in the high-risk zone
0.9%
261
Of those, with NFIP insurance
19%
County Georgia U.S.
Homes in the high-risk zone 0.9% 2% 3.5%
Of those, with NFIP insurance 19% 43% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Griffin

Typical rent in Griffin is $1,110 a month: about the same as the county. In Griffin, 59% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Spalding 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 Spalding 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 Griffin

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

For 2 bedrooms it runs from $1,170 in 30223 to $1,290 in 30224.

None is above the fair market rent for Spalding County ($1,762).

  • 30223 $1,170$1,390
  • 30224 $1,290$1,540

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

HUD lists 22 buildings with rents for lower incomes in Griffin. These are the largest.

  • Northside Hills Apartments 615A Northside Dr, Griffin 30223 264 low-income homes · For families (770) 227-1007
  • Fairmont Homes and Nine Oaks 211 Quincy Ave, Griffin 30223 130 low-income homes · For families (770) 227-7657
  • Pine Hill Apartments 600 S Pine Hill Rd, Griffin 30224 128 homes, 127 low-income · 3 bd: 127 · In service since 1994
  • Heritage Apartments 1012 Beck St, Griffin 30224 120 homes, 113 low-income · For families (770) 228-9613
  • St. Georges Court 110 N 10th St, Griffin 30223 100 low-income homes · For older adults (770) 229-5405

See all 22 buildings in Spalding County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Griffin

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

A grandmother smiles, seated at home.

HUD counseling is free or low-cost

Assistance programs in Griffin

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

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

  • Veterans Center

    320 Lanier Ave W, Fayetteville · 18 miles away

    Also serves in Creole, French, and other languages.

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 9 more
    (678) 792-8387

  • Nid-Hca Atlanta Metro Regional Office

    21 Highway 138 SW, Riverdale · 22 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 9 more
    (770) 472-3756

  • Nid-Hca Georgia

    4788 Jonesboro Rd, Bldg B, Ste1, Union City · 27 miles away

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

All counseling agencies in Georgia

Help in Spanish near Griffin

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 Griffin

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

  • Housing Authority of the City of Griffin Public housing (770) 227-7657

All housing agencies in Georgia Source: HUD

Cities

Nearby cities

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

Everything about Spalding County Housing in Georgia

Neighboring counties

If Spalding 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 Griffin.

All guides
A mother smiles as she carries her young daughter on her shoulders (black and white).

Questions

Housing questions about Griffin

Short answers with the numbers for Griffin and all of Spalding 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 Griffin?

The typical home value in Griffin is $220,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Spalding County it is $228,700.

How much does it cost to rent in Griffin?

Typical rent in Griffin is $1,110 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Spalding County is $1,762.

What is the FHA loan limit in Griffin?

Griffin uses the FHA limit for all of Spalding 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 Griffin?

The typical homeowner in Griffin pays $2,297 a year, according to the U.S. Census Bureau. That is 1.04% of the home’s value; in Spalding County, the rate is 0.94%.

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

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