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City · 6,143 residents · Clayton County, Georgia

Jonesboro , Georgia

In Jonesboro, a typical home is worth $188,300 and typical rent is $1,068 a month. Compared with all of Clayton County, typical rent is 25% lower, the typical home value is 15% lower, and the share of households that own their home is 7 points lower.

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  • Typical home value

    $188,300

    15% below the county

    38% below Georgia

    • Jonesboro
    • Clayton
    • Georgia

  • Typical rent

    $1,068a month

    25% below the county

    23% below Georgia

    • Jonesboro
    • Clayton
    • Georgia

  • Typical household income

    $50,843a year

    15% below the county

    34% below Georgia

    • Jonesboro
    • Clayton
    • Georgia

  • Households that own their home

    47%

    7 points below the county

    18 points below Georgia

    • Jonesboro
    • Clayton
    • Georgia

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

Market now, with Zillow data

Zillow data
Typical home value
$243,030
3.1% less than 12 months ago
Typical rent
$1,640 a month
1.9% more than 12 months ago

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

Jonesboro 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 Jonesboro apart

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

  1. Nearby, in Forest Park, the typical home value is $143,400: 24% less than in Jonesboro ($188,300).

  2. The typical rent in Jonesboro is $1,068 a month, 25% less than in Clayton County as a whole ($1,433).

  3. The typical home in Jonesboro is worth $188,300, 15% less than in Clayton County as a whole ($222,300).

  4. 47% of households in Jonesboro own their home, against 55% in Clayton County.

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

The homes here

Housing in Jonesboro

What homes there are in Jonesboro, 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 the most common home in Jonesboro: 65% of homes, near the figure in Clayton County (65%).

Year built

The typical home in Jonesboro was built in 1972, 17 years before 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

$891 a month

Clayton County: $1,453 a month

Without a mortgage

$389 a month

Clayton County: $538 a month

Owners with a mortgage

57%

Clayton County: 69%

Owning costs less in Jonesboro: with a mortgage, the typical cost is $891 a month; in Clayton County, $1,453. Without one, $389.

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

From 2015–2019 to 2020–2024, the typical home value in Jonesboro rose 134%; in Clayton County, it rose 105%.

Since 2015–2019, the typical rent in Jonesboro did not change clearly, according to the Census.

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

MeasureJonesboroClayton CountyGeorgiaUnited States
Rental vacancy Unreliable estimate10.3%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 2.612.792.622.53
Drive alone 67%72%71%69%
Carpool Unreliable estimate12%9%9%
Public transit Unreliable estimate2%1%3%
Walk or bike Unreliable estimate1%1%3%
Work from home Unreliable estimate11%16%15%
Other means Unreliable estimate3%2%2%
Typical commute 30 to 39 minutesUnreliable estimate20 to 29 minutes20 to 29 minutes

Households in Jonesboro are smaller: 2.61 people on average; in Clayton County, 2.79.

The car rules in Jonesboro: 67% of workers drive to work alone, and the typical trip takes 30 to 39 minutes.

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 Jonesboro?

A typical home costs more than the typical income allows

We start with a typical home in Jonesboro, worth $188,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 36% of the typical household income in Jonesboro, which is $50,843 a year. For that payment to be 28% of income, a household would need to earn about $65,453 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 Jonesboro. 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 $6,591 (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

$1,527

at 7.18% · 30 years

Loan amount
$184,889
Total interest
$266,012
Paid off in
November 2056

Includes $3,180 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,186 a month

  • Tight

    $1,186 to $1,525 a month

  • Hard

    more than $1,525 a month

    Your payment · 36%

Compared with the typical household income in Jonesboro ($50,843 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,527
Principal & interest$1,253
Property tax$113
Home insurance$79
FHA mortgage insurance (MIP)$83

You need at least $6,591 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

Jonesboro and Clayton County

Jonesboro 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).

Jonesboro's own numbers

Typical home value
$188,300
Typical monthly rent
$1,068
Typical yearly household income
$50,843
Households that own their home
47%
Effective property tax rate
0.72%

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 Jonesboro

A typical home in Jonesboro is worth $188,300: 15% below the county and 38% below Georgia. With the typical household income in Jonesboro ($50,843 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.

  • Jonesboro 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

Jonesboro 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
  • Jonesboro $188,300
  • Clayton $222,300
  • Georgia $303,300
  • United States $332,700
Typical monthly rent
  • Jonesboro $1,068
  • Clayton $1,433
  • Georgia $1,393
  • United States $1,413
Typical yearly household income
  • Jonesboro $50,843
  • Clayton $59,806
  • Georgia $77,353
  • United States $80,734
See the full table
Jonesboro next to Clayton County and Georgia
Measure Jonesboro Clayton County Georgia U.S.
Typical home value $188,300 $222,300 $303,300 $332,700
Typical monthly rent $1,068 $1,433 $1,393 $1,413
Typical yearly household income $50,843 $59,806 $77,353 $80,734
Households that own their home 47% 55% 66% 65%
Typical yearly property tax $1,350 $1,933 $2,341 $3,119
Effective property tax rate 0.72% 0.87% 0.77% 0.94%
Renters with high rent for their income 53% 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 Jonesboro

For a typical $188,300 home in Jonesboro, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Jonesboro's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,527a month

    Least cash to close
    Down payment
    $6,591
    Cash to close
    $12,240
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $83

  • Conventional, 5% down $1,493a month

    Down payment
    $9,415
    Cash to close
    $15,064
    Rate
    7.18%
    Mortgage insurance
    PMI · $89

  • Conventional, 20% down, no PMI $1,212a month

    Down payment
    $37,660
    Cash to close
    $43,309
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,386a month

    Down payment
    $28,245
    Cash to close
    $33,894
    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 Jonesboro and for Clayton County.

Property tax

Effective rate in Jonesboro

0.72%of the home’s value each year

$1,350 a year for the typical owner in Jonesboro.

  • Jonesboro 0.72%
  • 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 Jonesboro

Typical rent in Jonesboro is $1,068 a month: 25% below the county. In Jonesboro, 53% 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 Jonesboro

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Jonesboro is in ZIP code 30236.

For 2 bedrooms it is $1,400: $362 less than the fair market rent for Clayton County ($1,762).

  • 30236 $1,400$1,670

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

HUD lists 8 buildings with rents for lower incomes in Jonesboro. These are the largest.

  • Riverwood Townhouses 3 681 Flint River Rd, Jonesboro 30238 282 homes, 264 low-income · For families (678) 973-6531
  • Keystone Apartments 145 S McDonough St, Jonesboro 30236 184 low-income homes · 1 bd: 24 · 2 bd: 88 · 3 bd: 72 · In service since 2016 · For families (770) 471-0891
  • Fairway Pointe Apartments 9350 Thomas Rd, Jonesboro 30238 130 low-income homes · 2 bd: 24 · 3 bd: 76 · 4 bd: 23 · In service since 1999
  • Unnamed Project 213 Hightower St, Jonesboro 30236 32 homes, 30 low-income · Run by Housing Authority of the City of Jonesboro · Average payment: $378 a month · Average wait: 51 months (770) 478-7282
  • Pointe Clear Apts 7545 Tara Rd, Jonesboro 30236 206 homes · In service since 1998

See all 29 buildings in Clayton County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Jonesboro

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.

Two women and a girl laugh together at the bus stop.

HUD counseling is free or low-cost

Assistance programs in Jonesboro

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

The HUD-approved agencies closest to the center of Jonesboro, 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 · 3 miles away

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

  • Veterans Center

    320 Lanier Ave W, Fayetteville · 8 miles away

    Also serves in Creole, French, and other languages.

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

  • Operation Hope- Atlanta- Martin Luther King JR

    3857 Main St, College Park · 10 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 2 more
    (470) 223-0285

Every agency in Clayton County All counseling agencies in Georgia

Help in Spanish near Jonesboro

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 Jonesboro

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

  • Housing Authority of the City of Jonesboro Public housing and Section 8 vouchers (770) 478-7282

All housing agencies in Georgia 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 Jonesboro, 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 Jonesboro.

All guides
A father and mother walk their son by the hand down the sidewalk.

Questions

Housing questions about Jonesboro

Short answers with the numbers for Jonesboro 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 Jonesboro?

The typical home value in Jonesboro is $188,300, 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 Jonesboro?

Typical rent in Jonesboro is $1,068 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 Jonesboro?

Jonesboro 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 Jonesboro?

The typical homeowner in Jonesboro pays $1,350 a year, according to the U.S. Census Bureau. That is 0.72% of the home’s value; in Clayton County, the rate is 0.87%.

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

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).