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City · 17,014 residents · Columbia County, Georgia

Grovetown , Georgia

In Grovetown, a typical home is worth $254,300 and typical rent is $1,407 a month. Compared with all of Columbia County, the typical home value is 17% lower, typical household income is 10% lower, and the share of households that own their home is 19 points lower.

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  • Typical home value

    $254,300

    17% below the county

    16% below Georgia

    • Grovetown
    • Columbia
    • Georgia

  • Typical rent

    $1,407a month

    About the same as the county

    About the same as Georgia

    • Grovetown
    • Columbia
    • Georgia

  • Typical household income

    $85,660a year

    10% below the county

    11% above Georgia

    • Grovetown
    • Columbia
    • Georgia

  • Households that own their home

    59%

    19 points below the county

    7 points below Georgia

    • Grovetown
    • Columbia
    • Georgia

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

Market now, with Zillow data

Zillow data
Typical home value
$305,052
1.4% more than 12 months ago
Typical rent
$1,775 a month
2.1% more than 12 months ago

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

Grovetown is in Columbia 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 Columbia County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Grovetown apart

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

  1. Nearby, in Waynesboro, the typical rent is $746: 47% less than in Grovetown ($1,407).

  2. 59% of households in Grovetown own their home, against 78% in Columbia County.

  3. Nearby, in Thomson, the typical home value is $161,100: 37% less than in Grovetown ($254,300).

  4. Grovetown has the 9th smallest share of rent-burdened renters of the 157 cities in Georgia with more than 5,000 people (40%).

  5. The typical home in Grovetown is worth $254,300, 17% less than in Columbia County as a whole ($305,300).

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

The homes here

Housing in Grovetown

What homes there are in Grovetown, 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 Grovetown, but it weighs less than in Columbia County: 65% against 80%.

Year built

The typical home in Grovetown was built in 2008, 9 years after the typical one in Columbia 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 mortgage

$1,686 a month

Columbia County: $1,859 a month

Without a mortgage

$587 a month

Columbia County: $571 a month

Owners with a mortgage

82%

Columbia County: 69%

The typical cost for an owner with a mortgage in Grovetown is $1,686 a month, less than in Columbia County ($1,859); without one, $587.

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 Grovetown rose 60% since 2015–2019, more than in Columbia County (50%).

Much as in Columbia County, the typical rent in Grovetown rose 23% since 2015–2019.

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

MeasureGrovetownColumbia CountyGeorgiaUnited States
Rental vacancy Unreliable estimate8.7%6.8%5.5%
Homeowner vacancy Unreliable estimate2.6%1.1%0.9%
More than one person per room Unreliable estimate1.1%2.4%3.4%
People per household 3.012.932.622.53
Drive alone 79%79%71%69%
Carpool 11%8%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimateUnreliable estimate1%3%
Work from home Unreliable estimate11%16%15%
Other means Unreliable estimate1%2%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

By size, households in Grovetown look like those in Columbia County: 3.01 people on average.

In Grovetown, 79% of workers drive alone to work; in Columbia County, 79%.

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 Grovetown?

A typical home is tight for the typical income

We start with a typical home in Grovetown, worth $254,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 30% of the typical household income in Grovetown, which is $85,660 a year. For that payment to be 28% of income, a household would need to earn about $90,846 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Grovetown. 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 $8,901 (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

$2,120

at 7.18% · 30 years

Loan amount
$249,693
Total interest
$359,250
Paid off in
November 2056

Includes $4,294 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,999 a month

  • Tight

    $1,999 to $2,570 a month

    Your payment · 30%

  • Hard

    more than $2,570 a month

Compared with the typical household income in Grovetown ($85,660 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,120
Principal & interest$1,692
Property tax$210
Home insurance$106
FHA mortgage insurance (MIP)$112

You need at least $8,901 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

Grovetown and Columbia County

Grovetown is in Columbia 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).

Grovetown's own numbers

Typical home value
$254,300
Typical monthly rent
$1,407
Typical yearly household income
$85,660
Households that own their home
59%
Effective property tax rate
0.99%

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

Numbers for all of Columbia County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,329
Price change over 5 years (FHFA)
+54%
Homes in a high flood-risk zone
0.3%

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 Columbia County.

Everything about Columbia County

Buying

Buying a home in Grovetown

A typical home in Grovetown is worth $254,300: 17% below the county and 16% below Georgia. With the typical household income in Grovetown ($85,660 a year), a typical home costs 3.0 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.

  • Grovetown 3.0 years
  • Columbia 3.2 years
  • Georgia 3.9 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Columbia County

According to FHFA’s house price index, home prices in Columbia County rose 90% in the 10 years through 2025.

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

Period County Georgia U.S.
Last year (2025) +4.7% +2.2% +2.9%
5 years (2020–2025) +54% +58% +47%
10 years (2015–2025) +90% +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

Grovetown next to Columbia 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
  • Grovetown $254,300
  • Columbia $305,300
  • Georgia $303,300
  • United States $332,700
Typical monthly rent
  • Grovetown $1,407
  • Columbia $1,409
  • Georgia $1,393
  • United States $1,413
Typical yearly household income
  • Grovetown $85,660
  • Columbia $95,592
  • Georgia $77,353
  • United States $80,734
See the full table
Grovetown next to Columbia County and Georgia
Measure Grovetown Columbia County Georgia U.S.
Typical home value $254,300 $305,300 $303,300 $332,700
Typical monthly rent $1,407 $1,409 $1,393 $1,413
Typical yearly household income $85,660 $95,592 $77,353 $80,734
Households that own their home 59% 78% 66% 65%
Typical yearly property tax $2,512 $2,515 $2,341 $3,119
Effective property tax rate 0.99% 0.82% 0.77% 0.94%
Renters with high rent for their income 40% 50% 52% 51%

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

For a typical $254,300 home in Grovetown, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Grovetown's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,120a month

    Least cash to close
    Down payment
    $8,901
    Cash to close
    $16,530
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $112

  • Conventional, 5% down $2,073a month

    Down payment
    $12,715
    Cash to close
    $20,344
    Rate
    7.18%
    Mortgage insurance
    PMI · $121

  • Conventional, 20% down, no PMI $1,694a month

    Down payment
    $50,860
    Cash to close
    $58,489
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,929a month

    Down payment
    $38,145
    Cash to close
    $45,774
    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 Grovetown and for Columbia County.

Property tax

Effective rate in Grovetown

0.99%of the home’s value each year

$2,512 a year for the typical owner in Grovetown.

  • Grovetown 0.99%
  • Columbia 0.82%
  • Georgia 0.77%

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

Exemptions and deadlines in Georgia

Flood risk in Columbia County

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

Homes in the high-risk zone
0.3%
145
Of those, with NFIP insurance
—
County Georgia U.S.
Homes in the high-risk zone 0.3% 2% 3.5%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Grovetown

Typical rent in Grovetown is $1,407 a month: about the same as the county. In Grovetown, 40% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Columbia County, by unit size. To pay the 2-bedroom one ($1,329 a month) without spending more than 30% of your income, you would need to earn $25.56 an hour working full time.

HUD fair market rent for all of Columbia 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 $997 $19.17 $39,880
1 bedroom $1,202 $23.12 $48,080
2 bedrooms $1,329 $25.56 $53,160
3 bedrooms $1,672 $32.15 $66,880
4 bedrooms $2,035 $39.13 $81,400

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 Grovetown

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Grovetown is in ZIP code 30813.

For 2 bedrooms it is $1,750: $421 more than the fair market rent for Columbia County ($1,329).

  • 30813 $1,750$2,200

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

HUD lists one building with rents for lower incomes in Grovetown.

  • Horizon SR Village 5335 Wrightsboro Rd, Grovetown 30813 68 homes · In service since 2015

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

Free help

Help to buy or rent in Grovetown

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

An older man and his daughter go over papers with a professional.

HUD counseling is free or low-cost

Assistance programs in Grovetown

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

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

  • NSC (naca Counseling Subsidiary) - Augusta, GA

    2652 Tobacco Rd, Hephzibah · 8 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (706) 855-7464

  • Csra Economic Opportunity Authority, Inc.

    1261 Greene St, Augusta · 14 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (706) 722-0493

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

    515 Denmark Street Suite 700, Statesboro · 73 miles away

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

All counseling agencies in Georgia

Help in Spanish near Grovetown

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 Grovetown

In HUD’s record, no housing authority with an office in Columbia County is named for Grovetown or Columbia County.

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

Cities

Other cities in Columbia County

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

Everything about Columbia County Housing in Georgia

Nearby cities

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

Neighboring counties

If Columbia 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 Grovetown.

All guides
A mother and her daughters smile together on a mountain trail with a snowy peak behind them.

Questions

Housing questions about Grovetown

Short answers with the numbers for Grovetown and all of Columbia 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 Grovetown?

The typical home value in Grovetown is $254,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Columbia County it is $305,300.

How much does it cost to rent in Grovetown?

Typical rent in Grovetown is $1,407 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Columbia County is $1,329.

What is the FHA loan limit in Grovetown?

Grovetown uses the FHA limit for all of Columbia 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 Grovetown?

The typical homeowner in Grovetown pays $2,512 a year, according to the U.S. Census Bureau. That is 0.99% of the home’s value; in Columbia County, the rate is 0.82%.

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

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