In Hinesville, a typical home is worth $196,400 and typical rent is $1,212 a month. Home values, rent and income are very close to those of all of Liberty County.
Typical home value from Zillow, September 2021 to September 2026: from $167,392 to $239,104.
Typical rent
$1,748a month
▲ 3.4% more than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $1,348 to $1,748.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Hinesville 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
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Jesup, the typical rent is $696: 43% less than in Hinesville ($1,212).
2
Nearby, in Jesup, the typical home value is $158,500: 19% less than in Hinesville ($196,400).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Hinesville
What homes there are in Hinesville, 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
Hinesville
Liberty County
Georgia
United States
Kind of home: Hinesville and its comparisons
Measure
Hinesville
Liberty County
Georgia
United States
Detached house
65%
57%
66%
61%
Attached house
Unreliable estimate
4%
4%
6%
Building of 2 to 4
9%
10%
5%
8%
Apartments (5 or more)
20%
13%
16%
19%
Mobile home
5%
15%
8%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Detached houses, standing on their own, make up 65% of homes here, against 57% in Liberty County.
Year built
Before 19601960–19791980–19992000–20092010 or later
Hinesville
Liberty County
Georgia
United States
Year built: Hinesville and its comparisons
Measure
Hinesville
Liberty County
Georgia
United States
Before 1960
3%
5%
12%
26%
1960–1979
21%
18%
20%
24%
1980–1999
46%
41%
33%
25%
2000–2009
12%
17%
21%
14%
2010 or later
18%
20%
14%
11%
By age, homes in Hinesville look like those in Liberty County: the typical year built is 1993.
By size, homes in Hinesville look like those in Liberty County: 70% have 3 bedrooms or more.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K11%
$100K–$200K41%
$200K–$300K36%
$300K–$500K11%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Hinesville and its comparisons
Measure
Hinesville
Under $100K
11%
$100K–$200K
41%
$200K–$300K
36%
$300K–$500K
11%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
The FHA limit for Liberty County is high ($541,287): at least 98% of owner-occupied homes in Hinesville are worth less than $500,000.
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99923%
$1,000–$1,49944%
$1,500–$1,99923%
$2,000–$2,4996%
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Hinesville and its comparisons
Measure
Hinesville
Under $500
Unreliable estimate
$500–$999
23%
$1,000–$1,499
44%
$1,500–$1,999
23%
$2,000–$2,499
6%
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
With a mortgage
$1,428 a month
Liberty County: $1,500 a month
Without a mortgage
$489 a month
Liberty County: $474 a month
Owners with a mortgage
72%
Liberty County: 65%
In Hinesville, 72% of owners have a mortgage; their typical cost is $1,428 a month, about the same as in Liberty County.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Hinesville+59%
Liberty County+62%
Georgia+72%
United States+53%
Typical rent
Hinesville+19%
Liberty County+17%
Georgia+39%
United States+33%
Typical household income
Hinesville+26%
Liberty County+26%
Georgia+32%
United States+29%
Change since 2015–2019: Hinesville and its comparisons
Measure
Hinesville
Liberty County
Georgia
United States
Typical home value
+59%
+62%
+72%
+53%
Typical rent
+19%
+17%
+39%
+33%
Typical household income
+26%
+26%
+32%
+29%
Homes in Hinesville gained value more slowly than in Liberty County: 59% since 2015–2019, against 62%.
The typical rent in Hinesville rose 19% since 2015–2019, about the same as in Liberty County (17%).
The typical household income in Hinesville rose 26% over that time; home values changed +59% and rent +19%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Hinesville and its comparisons
Measure
Hinesville
Liberty County
Georgia
United States
Rental vacancy
Unreliable estimate
7.5%
6.8%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
1.1%
0.9%
More than one person per room
Unreliable estimate
2.1%
2.4%
3.4%
People per household
2.65
2.70
2.62
2.53
Drive alone
82%
79%
71%
69%
Carpool
9%
10%
9%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
2%
1%
3%
Work from home
7%
8%
16%
15%
Other means
Unreliable estimate
Unreliable estimate
2%
2%
Typical commute
10 to 19 minutes
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
By size, households in Hinesville look like those in Liberty County: 2.65 people on average.
In Hinesville, 82% of workers drive alone to work; in Liberty County, 79%.
Do the math
What would you pay each month for a home in Hinesville?
A typical home is tight for the typical income
We start with a typical home in Hinesville, worth $196,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 33% of the typical household income in Hinesville, which is $60,028 a year. For that payment to be 28% of income, a household would need to earn about $70,793 a year.
The calculator's FHA and conventional loan limits are those of all of Liberty 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 Hinesville. 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 $6,874 (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
$1,652
at 7.18% · 30 years
Loan amount
$192,843
Total interest
$277,455
Paid off in
November 2056
Includes $3,317 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,401 a month
Tight
$1,401 to $1,801 a month
Your payment · 33%
Hard
more than $1,801 a month
Compared with the typical household income in Hinesville ($60,028 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,306
Property tax
$177
Home insurance
$82
FHA mortgage insurance (MIP)
$87
You need at least $6,874 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 $1,652; principal and interest $1,306.
The city and its county
Hinesville and Liberty County
Hinesville 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).
Hinesville
Map of Liberty County, Georgia, with Hinesville marked. Around it, the neighboring counties.
Hinesville
Liberty County
Other cities with a page
Hinesville's own numbers
Typical home value
$196,400
Typical monthly rent
$1,212
Typical yearly household income
$60,028
Households that own their home
47%
Effective property tax rate
1.08%
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.
A typical home in Hinesville is worth $196,400: 3% below the county and 35% below Georgia. With the typical household income in Hinesville ($60,028 a year), a typical home costs 3.3 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.
Hinesville3.3 years
Liberty3.3 years
Georgia3.9 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
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.
Yearly change in FHFA’s price index in Liberty County, 2016 to 2025
2016: −5.7% −5.7% 2016
2017: +8.6% +8.6% 2017
2018: +4.8% +4.8% 2018
2019: −0.1% −0.1% 2019
2020: +5.7% +5.7% 2020
2021: +16.7% +16.7% 2021
2022: +15.7% +15.7% 2022
2023: +17.4% +17.4% 2023
2024: +4.8% +4.8% 2024
2025: +5.8% +5.8% 2025
Change in FHFA’s price index in Liberty County, Georgia and the United States
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
Hinesville 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 home value
Hinesville$196,400
Liberty$201,500
Georgia$303,300
United States$332,700
Typical monthly rent
Hinesville$1,212
Liberty$1,246
Georgia$1,393
United States$1,413
Typical yearly household income
Hinesville$60,028
Liberty$60,456
Georgia$77,353
United States$80,734
See the full table
Hinesville next to Liberty County and Georgia
Measure
Hinesville
Liberty County
Georgia
U.S.
Typical home value
$196,400 ▼3% below the county
$201,500
$303,300
$332,700
Typical monthly rent
$1,212 ▼3% below the county
$1,246
$1,393
$1,413
Typical yearly household income
$60,028
$60,456
$77,353
$80,734
Households that own their home
47% ▼3 points below the county
51%
66%
65%
Typical yearly property tax
$2,119
$2,087
$2,341
$3,119
Effective property tax rate
1.08% ▲0.04 points above the county
1.04%
0.77%
0.94%
Renters with high rent for their income
48% ▼1 points below the county
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 Hinesville
For a typical $196,400 home in Hinesville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Hinesville's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,652a month
Least cash to close
Down payment
$6,874
Cash to close
$12,766
Rate
7.18%
Mortgage insurance
FHA MIP · $87
Conventional, 5% down$1,616a month
Down payment
$9,820
Cash to close
$15,712
Rate
7.18%
Mortgage insurance
PMI · $93
Conventional, 20% down, no PMI$1,323a month
Down payment
$39,280
Cash to close
$45,172
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,505a month
Down payment
$29,460
Cash to close
$35,352
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Hinesville
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,652
$6,874
$192,843
7.18%
FHA MIP · $87
$12,766
580
Conventional, 5% down
$1,616
$9,820
$186,580
7.18%
PMI · $93
$15,712
620*
Conventional, 20% down, no PMI
$1,323
$39,280
$157,120
7.18%
None
$45,172
620*
ITIN, 15% down (example)
$1,505
$29,460
$166,940
8.18%
None
$35,352
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 Hinesville is $1,212 a month: 3% below the county. In Hinesville, 48% 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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Liberty County (Fiscal year 2027)
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 Hinesville
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Hinesville is in ZIP code 31313.
For 2 bedrooms it is $1,390: $6 less than the fair market rent for Liberty County ($1,396).
Fair market rent by ZIP code and size in Hinesville, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
31313
$1,220
$1,220
$1,390
$1,810
$2,320
ZIP code2 bd3 bd
31313 $1,390$1,810
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Hinesville 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)
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.
No down payment, repair or rent-help program on our list is for Hinesville or Liberty County. The ones below are statewide in Georgia: they work in Hinesville 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.
No legal help resource on our list is for Hinesville or Liberty 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 Hinesville 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 a typical home cost in Hinesville?
The typical home value in Hinesville is $196,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Liberty County it is $201,500.
How much does it cost to rent in Hinesville?
Typical rent in Hinesville is $1,212 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 Hinesville?
Hinesville 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.
How much property tax do owners pay in Hinesville?
The typical homeowner in Hinesville pays $2,119 a year, according to the U.S. Census Bureau. That is 1.08% of the home’s value; in Liberty County, the rate is 1.04%.
Where can I find free help to buy or rent in Hinesville?
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.
