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City · 9,185 residents · Clayton County, Georgia

Irondale , Georgia

In Irondale, a typical home is worth $204,500 and typical rent is $1,741 a month. Compared with all of Clayton County, typical rent is 21% higher, the typical home value is 8% lower, and the share of households that own their home is 14 points higher.

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  • Typical home value

    $204,500

    8% below the county

    33% below Georgia

    • Irondale
    • Clayton
    • Georgia

  • Typical rent

    $1,741a month

    21% above the county

    25% above Georgia

    • Irondale
    • Clayton
    • Georgia

  • Typical household income

    $55,030a year

    8% below the county

    29% below Georgia

    • Irondale
    • Clayton
    • Georgia

  • Households that own their home

    69%

    14 points above the county

    3 points above Georgia

    • Irondale
    • Clayton
    • Georgia

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

Irondale is in Clayton 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 Clayton County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Irondale apart

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

  1. Irondale has the largest share of rent-burdened renters of the 157 cities in Georgia with more than 5,000 people: 79%.

  2. Nearby, in Jonesboro, the typical rent is $1,068: 39% less than in Irondale ($1,741).

  3. 69% of households in Irondale own their home, against 55% in Clayton County.

  4. The typical rent in Irondale is $1,741 a month, 21% more than in Clayton County as a whole ($1,433).

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

The homes here

Housing in Irondale

What homes there are in Irondale, 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 houses, standing on their own, make up 76% of homes here, against 65% in Clayton County.

There are more mobile homes here than in Clayton County: 17% of homes, against 3%.

Year built

The typical home in Irondale was built in 1996, 7 years after the typical one in Clayton 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

$1,406 a month

Clayton County: $1,453 a month

Without a mortgage

$538 a month

Clayton County: $538 a month

Owners with a mortgage

74%

Clayton County: 69%

Owning costs about the same in Irondale as in Clayton County: with a mortgage, $1,406 a month; without one, $538.

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 Irondale gained value faster than in Clayton County: 109% against 105%.

Rents in Irondale rose faster than in Clayton County: 66% since 2015–2019, against 45%.

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

MeasureIrondaleClayton CountyGeorgiaUnited States
Rental vacancy 23.3%10.3%6.8%5.5%
Homeowner vacancy Unreliable estimate1.6%1.1%0.9%
More than one person per room Unreliable estimate3.4%2.4%3.4%
People per household 3.032.792.622.53
Drive alone 66%72%71%69%
Carpool 20%12%9%9%
Public transit Unreliable estimate2%1%3%
Walk or bike Unreliable estimate1%1%3%
Work from home 14%11%16%15%
Other means Unreliable estimate3%2%2%
Typical commute 30 to 39 minutesUnreliable estimate20 to 29 minutes20 to 29 minutes

The rental vacancy rate in Irondale is 23.3%, higher than in Clayton County (10.3%).

Households in Irondale are bigger: 3.03 people on average; in Clayton County, 2.79.

Carpooling is common in Irondale: 20% of workers get to work that way, against 12% in Clayton County.

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 Irondale?

A typical home costs more than the typical income allows

We start with a typical home in Irondale, worth $204,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 37% of the typical household income in Irondale, which is $55,030 a year. For that payment to be 28% of income, a household would need to earn about $72,617 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Irondale. 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 $7,158 (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

$1,694

at 7.18% · 30 years

Loan amount
$200,795
Total interest
$288,898
Paid off in
November 2056

Includes $3,453 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,284 a month

  • Tight

    $1,284 to $1,651 a month

  • Hard

    more than $1,651 a month

    Your payment · 37%

Compared with the typical household income in Irondale ($55,030 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,694
Principal & interest$1,360
Property tax$159
Home insurance$85
FHA mortgage insurance (MIP)$90

You need at least $7,158 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

Irondale and Clayton County

Irondale is in Clayton 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).

Irondale's own numbers

Typical home value
$204,500
Typical monthly rent
$1,741
Typical yearly household income
$55,030
Households that own their home
69%
Effective property tax rate
0.93%

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

Numbers for all of Clayton 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)
+68%
Homes in a high flood-risk zone
1.1%

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 Clayton County.

Everything about Clayton County

Buying

Buying a home in Irondale

A typical home in Irondale is worth $204,500: 8% below the county and 33% below Georgia. With the typical household income in Irondale ($55,030 a year), a typical home costs 3.7 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.

  • Irondale 3.7 years
  • Clayton 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 Clayton County

According to FHFA’s house price index, home prices in Clayton County rose 176% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Clayton 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) +176% +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

Irondale next to Clayton 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
  • Irondale $204,500
  • Clayton $222,300
  • Georgia $303,300
  • United States $332,700
Typical monthly rent
  • Irondale $1,741
  • Clayton $1,433
  • Georgia $1,393
  • United States $1,413
Typical yearly household income
  • Irondale $55,030
  • Clayton $59,806
  • Georgia $77,353
  • United States $80,734
See the full table
Irondale next to Clayton County and Georgia
Measure Irondale Clayton County Georgia U.S.
Typical home value $204,500 $222,300 $303,300 $332,700
Typical monthly rent $1,741 $1,433 $1,393 $1,413
Typical yearly household income $55,030 $59,806 $77,353 $80,734
Households that own their home 69% 55% 66% 65%
Typical yearly property tax $1,899 $1,933 $2,341 $3,119
Effective property tax rate 0.93% 0.87% 0.77% 0.94%
Renters with high rent for their income 79% 63% 52% 51%

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

For a typical $204,500 home in Irondale, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Irondale's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,694a month

    Least cash to close
    Down payment
    $7,158
    Cash to close
    $13,293
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $90

  • Conventional, 5% down $1,657a month

    Down payment
    $10,225
    Cash to close
    $16,360
    Rate
    7.18%
    Mortgage insurance
    PMI · $97

  • Conventional, 20% down, no PMI $1,352a month

    Down payment
    $40,900
    Cash to close
    $47,035
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,541a month

    Down payment
    $30,675
    Cash to close
    $36,810
    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 Irondale and for Clayton County.

Property tax

Effective rate in Irondale

0.93%of the home’s value each year

$1,899 a year for the typical owner in Irondale.

  • Irondale 0.93%
  • Clayton 0.87%
  • Georgia 0.77%

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

Exemptions and deadlines in Georgia

Flood risk in Clayton County

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

Homes in the high-risk zone
1.1%
889
Of those, with NFIP insurance
22%
County Georgia U.S.
Homes in the high-risk zone 1.1% 2% 3.5%
Of those, with NFIP insurance 22% 43% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Irondale

Typical rent in Irondale is $1,741 a month: 21% above the county. In Irondale, 79% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Clayton 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 Clayton 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 Irondale

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Irondale is in ZIP code 30238.

For 2 bedrooms it is $1,640: $122 less than the fair market rent for Clayton County ($1,762).

  • 30238 $1,640$1,950

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

Free help

Help to buy or rent in Irondale

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 Clayton County; none says it serves in Spanish.

A man leans over the armchair to help a teenage girl with her book.

HUD counseling is free or low-cost

Assistance programs in Irondale

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

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

  • Nid-Hca Atlanta Metro Regional Office

    21 Highway 138 SW, Riverdale · 4 miles away

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

  • Veterans Center

    320 Lanier Ave W, Fayetteville · 6 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 Georgia

    4788 Jonesboro Rd, Bldg B, Ste1, Union City · 12 miles away

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

Every agency in Clayton County All counseling agencies in Georgia

Help in Spanish near Irondale

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 Irondale

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

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

Cities

Other cities in Clayton County

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

Everything about Clayton County Housing in Georgia

Nearby cities

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

Neighboring counties

If Clayton 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 Irondale.

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

Questions

Housing questions about Irondale

Short answers with the numbers for Irondale and all of Clayton 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 Irondale?

The typical home value in Irondale is $204,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Clayton County it is $222,300.

How much does it cost to rent in Irondale?

Typical rent in Irondale is $1,741 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Clayton County is $1,762.

What is the FHA loan limit in Irondale?

Irondale uses the FHA limit for all of Clayton 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 Irondale?

The typical homeowner in Irondale pays $1,899 a year, according to the U.S. Census Bureau. That is 0.93% of the home’s value; in Clayton County, the rate is 0.87%.

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

There is 1 HUD-approved counseling agency with an office in Clayton County. 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).