In Hiram, a typical home is worth $303,200 and typical rent is $2,085 a month. Compared with all of Paulding County, typical rent is 18% higher, typical household income is 13% lower, and the share of households that own their home is 16 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $264,846 to $308,855.
Typical rent
$2,001a month
▲ 5% more than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $1,581 to $2,001.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Hiram is in Paulding 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 Paulding County. See the county
What this place has that others do not, from public data, most unusual first.
1
Hiram has the 4th highest typical rent of the 162 cities in Georgia with more than 5,000 people ($2,085).
2
Nearby, in Lithia Springs, the typical rent is $1,402: 33% less than in Hiram ($2,085).
3
64% of households in Hiram own their home, against 81% in Paulding County.
4
Nearby, in Lithia Springs, the typical home value is $220,000: 27% less than in Hiram ($303,200).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Hiram
What homes there are in Hiram, 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
Hiram
Paulding County
Georgia
United States
Kind of home: Hiram and its comparisons
Measure
Hiram
Paulding County
Georgia
United States
Detached house
73%
89%
66%
61%
Attached house
23%
2%
4%
6%
Building of 2 to 4
Unreliable estimate
2%
5%
8%
Apartments (5 or more)
Unreliable estimate
4%
16%
19%
Mobile home
Unreliable estimate
3%
8%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house is still the most common home in Hiram, but it weighs less than in Paulding County: 73% against 89%.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Hiram
Paulding County
Georgia
United States
Year built: Hiram and its comparisons
Measure
Hiram
Paulding County
Georgia
United States
Before 1960
Unreliable estimate
4%
12%
26%
1960–1979
14%
7%
20%
24%
1980–1999
Unreliable estimate
32%
33%
25%
2000–2009
39%
36%
21%
14%
2010 or later
26%
22%
14%
11%
In Hiram, half of the homes were built before 2004; in Paulding County, before 2002.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200KUnreliable
$200K–$300K22%
$300K–$500K48%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Hiram and its comparisons
Measure
Hiram
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
22%
$300K–$500K
48%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,49959%
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Hiram and its comparisons
Measure
Hiram
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
59%
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable
With a mortgage
$1,473 a month
Paulding County: $1,747 a month
Without a mortgage
$618 a month
Paulding County: $547 a month
Owners with a mortgage
70%
Paulding County: 76%
In Hiram, 70% of owners have a mortgage, and their typical cost is $1,473 a month, against $1,747 in Paulding County. Without one it drops to $618.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Hiram+97%
Paulding County+88%
Georgia+72%
United States+53%
Typical rent
Hiram+80%
Paulding County+52%
Georgia+39%
United States+33%
Typical household income
HiramNo clear change
Paulding County+43%
Georgia+32%
United States+29%
Change since 2015–2019: Hiram and its comparisons
Measure
Hiram
Paulding County
Georgia
United States
Typical home value
+97%
+88%
+72%
+53%
Typical rent
+80%
+52%
+39%
+33%
Typical household income
No clear change
+43%
+32%
+29%
From 2015–2019 to 2020–2024, the typical home value in Hiram rose 97%; in Paulding County, it rose 88%.
Rents in Hiram rose faster than in Paulding County: 80% since 2015–2019, against 52%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Hiram and its comparisons
Measure
Hiram
Paulding County
Georgia
United States
Rental vacancy
Unreliable estimate
7.1%
6.8%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
1.1%
0.9%
More than one person per room
Unreliable estimate
1.8%
2.4%
3.4%
People per household
2.84
2.97
2.62
2.53
Drive alone
76%
75%
71%
69%
Carpool
Unreliable estimate
8%
9%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
Unreliable estimate
1%
3%
Work from home
14%
15%
16%
15%
Other means
Unreliable estimate
1%
2%
2%
Typical commute
Unreliable estimate
30 to 39 minutes
20 to 29 minutes
20 to 29 minutes
By size, households in Hiram look like those in Paulding County: 2.84 people on average.
To get to work, 76% of workers in Hiram drive alone; in Paulding County, 75%.
Do the math
What would you pay each month for a home in Hiram?
A typical home is tight for the typical income
We start with a typical home in Hiram, worth $303,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 34% of the typical household income in Hiram, which is $85,119 a year. For that payment to be 28% of income, a household would need to earn about $103,984 a year.
The calculator's FHA and conventional loan limits are those of all of Paulding 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 Hiram. 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 $10,612 (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
$2,426
at 7.18% · 30 years
Loan amount
$297,708
Total interest
$428,332
Paid off in
November 2056
Includes $5,120 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,986 a month
Tight
$1,986 to $2,554 a month
Your payment · 34%
Hard
more than $2,554 a month
Compared with the typical household income in Hiram ($85,119 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,017
Property tax
$149
Home insurance
$126
FHA mortgage insurance (MIP)
$134
You need at least $10,612 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 $2,426; principal and interest $2,017.
The city and its county
Hiram and Paulding County
Hiram is in Paulding 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).
Hiram
Map of Paulding County, Georgia, with Hiram marked. Around it, the neighboring counties.
Hiram
Paulding County
Other cities with a page
Hiram's own numbers
Typical home value
$303,200
Typical monthly rent
$2,085
Typical yearly household income
$85,119
Households that own their home
64%
Effective property tax rate
0.59%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Paulding 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)
+60%
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 Paulding County.
A typical home in Hiram is worth $303,200: 7% below the county and about the same as Georgia. With the typical household income in Hiram ($85,119 a year), a typical home costs 3.6 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.
Hiram3.6 years
Paulding3.3 years
Georgia3.9 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Paulding County
According to FHFA’s house price index, home prices in Paulding County rose 133% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Paulding County.
Yearly change in FHFA’s price index in Paulding County, 2016 to 2025
2016: +7.1% +7.1% 2016
2017: +9.4% +9.4% 2017
2018: +9.6% +9.6% 2018
2019: +7.0% +7.0% 2019
2020: +5.7% +5.7% 2020
2021: +17.3% +17.3% 2021
2022: +25.3% +25.3% 2022
2023: +6.0% +6.0% 2023
2024: +3.2% +3.2% 2024
2025: −0.1% −0.1% 2025
Change in FHFA’s price index in Paulding County, Georgia and the United States
Period
County
Georgia
U.S.
Last year (2025)
−0.1%
+2.2%
+2.9%
5 years (2020–2025)
+60%
+58%
+47%
10 years (2015–2025)
+133%
+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
Hiram next to Paulding 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
Hiram$303,200
Paulding$326,300
Georgia$303,300
United States$332,700
Typical monthly rent
Hiram$2,085
Paulding$1,772
Georgia$1,393
United States$1,413
Typical yearly household income
Hiram$85,119
Paulding$98,031
Georgia$77,353
United States$80,734
See the full table
Hiram next to Paulding County and Georgia
Measure
Hiram
Paulding County
Georgia
U.S.
Typical home value
$303,200 ▼7% below the county
$326,300
$303,300
$332,700
Typical monthly rent
$2,085 ▲18% above the county
$1,772
$1,393
$1,413
Typical yearly household income
$85,119 ▼13% below the county
$98,031
$77,353
$80,734
Households that own their home
64% ▼16 points below the county
81%
66%
65%
Typical yearly property tax
$1,800 ▼31% below the county
$2,619
$2,341
$3,119
Effective property tax rate
0.59% ▼0.21 points below the county
0.8%
0.77%
0.94%
Renters with high rent for their income
54% ▲8 points above the county
46%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Paulding 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 Hiram
For a typical $303,200 home in Hiram, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Hiram's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,426a month
Least cash to close
Down payment
$10,612
Cash to close
$19,708
Rate
7.18%
Mortgage insurance
FHA MIP · $134
Conventional, 5% down$2,371a month
Down payment
$15,160
Cash to close
$24,256
Rate
7.18%
Mortgage insurance
PMI · $144
Conventional, 20% down, no PMI$1,919a month
Down payment
$60,640
Cash to close
$69,736
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,199a month
Down payment
$45,480
Cash to close
$54,576
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Hiram
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,426
$10,612
$297,708
7.18%
FHA MIP · $134
$19,708
580
Conventional, 5% down
$2,371
$15,160
$288,040
7.18%
PMI · $144
$24,256
620*
Conventional, 20% down, no PMI
$1,919
$60,640
$242,560
7.18%
None
$69,736
620*
ITIN, 15% down (example)
$2,199
$45,480
$257,720
8.18%
None
$54,576
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 Hiram is $2,085 a month: 18% above the county. In Hiram, 54% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Paulding 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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Paulding County (Fiscal year 2027)
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 Hiram
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Hiram is in ZIP code 30141.
For 2 bedrooms it is $1,890: $128 more than the fair market rent for Paulding County ($1,762).
Fair market rent by ZIP code and size in Hiram, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
30141
$1,670
$1,740
$1,890
$2,250
$2,670
ZIP code2 bd3 bd
30141 $1,890$2,250
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Hiram 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.
We found no HUD-approved agencies with an office in Paulding County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Hiram or Paulding County. The ones below are statewide in Georgia: they work in Hiram 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 Hiram or Paulding 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 Hiram and all of Paulding 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 Hiram?
The typical home value in Hiram is $303,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Paulding County it is $326,300.
How much does it cost to rent in Hiram?
Typical rent in Hiram is $2,085 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Paulding County is $1,762.
What is the FHA loan limit in Hiram?
Hiram uses the FHA limit for all of Paulding 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 Hiram?
The typical homeowner in Hiram pays $1,800 a year, according to the U.S. Census Bureau. That is 0.59% of the home’s value; in Paulding County, the rate is 0.8%.
Where can I find free help to buy or rent in Hiram?
We found no HUD-approved counseling agencies with an office in Paulding County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
