In LaFayette, a typical home is worth $144,800 and typical rent is $840 a month. Compared with all of Walker County, the typical home value is 27% lower, typical household income is 23% lower, and the share of households that own their home is 17 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $184,500 to $224,532.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
LaFayette is in Walker 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 Walker County. See the county
What this place has that others do not, from public data, most unusual first.
1
LaFayette has the 6th smallest share of rent-burdened renters of the 157 cities in Georgia with more than 5,000 people (35%).
2
60% of households in LaFayette own their home, against 77% in Walker County.
3
The typical home in LaFayette is worth $144,800,27% less than in Walker County as a whole ($197,100).
4
The typical household income in LaFayette is $46,018,23% less than in Walker County as a whole ($59,469).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in LaFayette
What homes there are in LaFayette, 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
LaFayette
Walker County
Georgia
United States
Kind of home: LaFayette and its comparisons
Measure
LaFayette
Walker County
Georgia
United States
Detached house
75%
78%
66%
61%
Attached house
Unreliable estimate
1%
4%
6%
Building of 2 to 4
11%
4%
5%
8%
Apartments (5 or more)
Unreliable estimate
3%
16%
19%
Mobile home
Unreliable estimate
14%
8%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Detached houses are the majority in LaFayette (75%), but less so than in Walker County (78%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
LaFayette
Walker County
Georgia
United States
Year built: LaFayette and its comparisons
Measure
LaFayette
Walker County
Georgia
United States
Before 1960
42%
26%
12%
26%
1960–1979
32%
27%
20%
24%
1980–1999
15%
26%
33%
25%
2000–2009
7%
14%
21%
14%
2010 or later
Unreliable estimate
7%
14%
11%
Homes in LaFayette are older: the typical year built is 1964; in Walker County, 1978.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K29%
$100K–$200K41%
$200K–$300K22%
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: LaFayette and its comparisons
Measure
LaFayette
Under $100K
29%
$100K–$200K
41%
$200K–$300K
22%
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99951%
$1,000–$1,49929%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: LaFayette and its comparisons
Measure
LaFayette
Under $500
Unreliable estimate
$500–$999
51%
$1,000–$1,499
29%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,203 a month
Walker County: $1,328 a month
Without a mortgage
$376 a month
Walker County: $442 a month
Owners with a mortgage
52%
Walker County: 52%
In LaFayette, 52% of owners have a mortgage, and their typical cost is $1,203 a month, against $1,328 in Walker County. Without one it drops to $376.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
LaFayette+55%
Walker County+63%
Georgia+72%
United States+53%
Typical rent
LaFayette+28%
Walker County+25%
Georgia+39%
United States+33%
Typical household income
LaFayette+50%
Walker County+29%
Georgia+32%
United States+29%
Change since 2015–2019: LaFayette and its comparisons
Measure
LaFayette
Walker County
Georgia
United States
Typical home value
+55%
+63%
+72%
+53%
Typical rent
+28%
+25%
+39%
+33%
Typical household income
+50%
+29%
+32%
+29%
The typical home value in LaFayette rose 55% since 2015–2019, less than in Walker County (63%).
Rents in LaFayette rose at about the same pace as in Walker County: 28% since 2015–2019, against 25%.
To compare: typical income in LaFayette rose 50%; the home, +55%; the rent, +28%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: LaFayette and its comparisons
Measure
LaFayette
Walker County
Georgia
United States
Rental vacancy
Unreliable estimate
Unreliable estimate
6.8%
5.5%
Homeowner vacancy
Unreliable estimate
1.7%
1.1%
0.9%
More than one person per room
Unreliable estimate
1.6%
2.4%
3.4%
People per household
2.25
2.55
2.62
2.53
Drive alone
74%
76%
71%
69%
Carpool
14%
11%
9%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
Unreliable estimate
1%
3%
Work from home
Unreliable estimate
11%
16%
15%
Other means
Unreliable estimate
Unreliable estimate
2%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
On average, a household in LaFayette has 2.25 people, fewer than in Walker County (2.55).
In LaFayette, 74% of workers drive alone to work; in Walker County, 76%.
Do the math
What would you pay each month for a home in LaFayette?
A typical home is tight for the typical income
We start with a typical home in LaFayette, worth $144,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 31% of the typical household income in LaFayette, which is $46,018 a year. For that payment to be 28% of income, a household would need to earn about $51,263 a year.
The calculator's FHA and conventional loan limits are those of all of Walker 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 LaFayette. 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 $5,068 (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
$1,196
at 7.18% · 30 years
Loan amount
$142,177
Total interest
$204,560
Paid off in
November 2056
Includes $2,445 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,074 a month
Tight
$1,074 to $1,381 a month
Your payment · 31%
Hard
more than $1,381 a month
Compared with the typical household income in LaFayette ($46,018 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$963
Property tax
$109
Home insurance
$60
FHA mortgage insurance (MIP)
$64
You need at least $5,068 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 $1,196; principal and interest $963.
The city and its county
LaFayette and Walker County
LaFayette is in Walker 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).
LaFayette
Map of Walker County, Georgia, with LaFayette marked. Around it, the neighboring counties.
LaFayette
Walker County
Other cities with a page
LaFayette's own numbers
Typical home value
$144,800
Typical monthly rent
$840
Typical yearly household income
$46,018
Households that own their home
60%
Effective property tax rate
0.9%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Walker County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,340
Price change over 5 years (FHFA)
+70%
Homes in a high flood-risk zone
2.7%
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 Walker County.
A typical home in LaFayette is worth $144,800: 27% below the county and 52% below Georgia. With the typical household income in LaFayette ($46,018 a year), a typical home costs 3.1 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.
LaFayette3.1 years
Walker3.3 years
Georgia3.9 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Walker County
According to FHFA’s house price index, home prices in Walker County rose 117% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Walker County.
Yearly change in FHFA’s price index in Walker County, 2016 to 2025
2016: +0.7% +0.7% 2016
2017: +5.4% +5.4% 2017
2018: +8.5% +8.5% 2018
2019: +4.9% +4.9% 2019
2020: +5.2% +5.2% 2020
2021: +16.2% +16.2% 2021
2022: +19.0% +19.0% 2022
2023: +12.4% +12.4% 2023
2024: +5.5% +5.5% 2024
2025: +3.8% +3.8% 2025
Change in FHFA’s price index in Walker County, Georgia and the United States
Period
County
Georgia
U.S.
Last year (2025)
+3.8%
+2.2%
+2.9%
5 years (2020–2025)
+70%
+58%
+47%
10 years (2015–2025)
+117%
+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
LaFayette next to Walker 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
LaFayette$144,800
Walker$197,100
Georgia$303,300
United States$332,700
Typical monthly rent
LaFayette$840
Walker$940
Georgia$1,393
United States$1,413
Typical yearly household income
LaFayette$46,018
Walker$59,469
Georgia$77,353
United States$80,734
See the full table
LaFayette next to Walker County and Georgia
Measure
LaFayette
Walker County
Georgia
U.S.
Typical home value
$144,800 ▼27% below the county
$197,100
$303,300
$332,700
Typical monthly rent
$840 ▼11% below the county
$940
$1,393
$1,413
Typical yearly household income
$46,018 ▼23% below the county
$59,469
$77,353
$80,734
Households that own their home
60% ▼17 points below the county
77%
66%
65%
Typical yearly property tax
$1,302 ▼12% below the county
$1,479
$2,341
$3,119
Effective property tax rate
0.9% ▲0.15 points above the county
0.75%
0.77%
0.94%
Renters with high rent for their income
35% ▼12 points below the county
47%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Walker 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 LaFayette
For a typical $144,800 home in LaFayette, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, LaFayette's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,196a month
Least cash to close
Down payment
$5,068
Cash to close
$9,412
Rate
7.18%
Mortgage insurance
FHA MIP · $64
Conventional, 5% down$1,170a month
Down payment
$7,240
Cash to close
$11,584
Rate
7.18%
Mortgage insurance
PMI · $69
Conventional, 20% down, no PMI$954a month
Down payment
$28,960
Cash to close
$33,304
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,088a month
Down payment
$21,720
Cash to close
$26,064
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in LaFayette
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,196
$5,068
$142,177
7.18%
FHA MIP · $64
$9,412
580
Conventional, 5% down
$1,170
$7,240
$137,560
7.18%
PMI · $69
$11,584
620*
Conventional, 20% down, no PMI
$954
$28,960
$115,840
7.18%
None
$33,304
620*
ITIN, 15% down (example)
$1,088
$21,720
$123,080
8.18%
None
$26,064
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 LaFayette is $840 a month: 11% below the county. In LaFayette, 35% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Walker County, by unit size. To pay the 2-bedroom one ($1,340 a month) without spending more than 30% of your income, you would need to earn $25.77 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 Walker County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,181
$22.71
$47,240
1 bedroom
$1,231
$23.67
$49,240
2 bedrooms
$1,340
$25.77
$53,600
3 bedrooms
$1,657
$31.87
$66,280
4 bedrooms
$1,761
$33.87
$70,440
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 LaFayette
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). LaFayette is in ZIP code 30728.
For 2 bedrooms it is $1,000: $340 less than the fair market rent for Walker County ($1,340).
Fair market rent by ZIP code and size in LaFayette, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
30728
$880
$920
$1,000
$1,240
$1,320
ZIP code2 bd3 bd
30728 $1,000$1,240
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for LaFayette 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 Walker 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 LaFayette or Walker County. The ones below are statewide in Georgia: they work in LaFayette 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 LaFayette or Walker 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 LaFayette and all of Walker 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 LaFayette?
The typical home value in LaFayette is $144,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Walker County it is $197,100.
How much does it cost to rent in LaFayette?
Typical rent in LaFayette is $840 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Walker County is $1,340.
What is the FHA loan limit in LaFayette?
LaFayette uses the FHA limit for all of Walker 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 LaFayette?
The typical homeowner in LaFayette pays $1,302 a year, according to the U.S. Census Bureau. That is 0.9% of the home’s value; in Walker County, the rate is 0.75%.
Where can I find free help to buy or rent in LaFayette?
We found no HUD-approved counseling agencies with an office in Walker County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
