Español

Este sitio también está en español. Leer en español

City · 11,508 residents · Clayton County, Georgia

Lovejoy , Georgia

In Lovejoy, a typical home is worth $265,100 and typical rent is $1,481 a month. Compared with all of Clayton County, typical household income is 20% higher and the typical home value is 19% higher.

WhatsApp

  • Typical home value

    $265,100

    19% above the county

    13% below Georgia

    • Lovejoy
    • Clayton
    • Georgia

  • Typical rent

    $1,481a month

    3% above the county

    6% above Georgia

    • Lovejoy
    • Clayton
    • Georgia

  • Typical household income

    $71,612a year

    20% above the county

    7% below Georgia

    • Lovejoy
    • Clayton
    • Georgia

  • Households that own their home

    51%

    4 points below the county

    15 points below Georgia

    • Lovejoy
    • Clayton
    • Georgia

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

Lovejoy 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 Lovejoy apart

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

  1. Nearby, in Jonesboro, the typical home value is $188,300: 29% less than in Lovejoy ($265,100).

  2. Nearby, in Jonesboro, the typical rent is $1,068: 28% less than in Lovejoy ($1,481).

  3. The typical household income in Lovejoy is $71,612, 20% more than in Clayton County as a whole ($59,806).

  4. The typical home in Lovejoy is worth $265,100, 19% more than in Clayton County as a whole ($222,300).

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

The homes here

Housing in Lovejoy

What homes there are in Lovejoy, 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 still the most common home in Lovejoy, but it weighs less than in Clayton County: 54% against 65%.

Mobile homes are 12% of homes in Lovejoy, more than in Clayton County (3%).

Year built

Here half of the homes date from 2008 or later; in Clayton County, from 1989 or later.

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

$1,677 a month

Clayton County: $1,453 a month

Without a mortgage

$579 a month

Clayton County: $538 a month

Owners with a mortgage

79%

Clayton County: 69%

The typical cost for an owner with a mortgage in Lovejoy is $1,677 a month, more than in Clayton County ($1,453); without one, $579.

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 Lovejoy rose 147%; in Clayton County, it rose 105%.

Rents in Lovejoy rose more slowly than in Clayton County: 35% since 2015–2019, against 45%.

To compare: typical income in Lovejoy rose 57%; the home, +147%; the rent, +35%.

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

MeasureLovejoyClayton 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 2.832.792.622.53
Drive alone 81%72%71%69%
Carpool Unreliable estimate12%9%9%
Public transit Unreliable estimate2%1%3%
Walk or bike Unreliable estimate1%1%3%
Work from home 13%11%16%15%
Other means Unreliable estimate3%2%2%
Typical commute 30 to 39 minutesUnreliable estimate20 to 29 minutes20 to 29 minutes

A household in Lovejoy has 2.83 people on average, about the same as in Clayton County (2.79).

To get to work, 81% of workers in Lovejoy drive alone; in Clayton County, 72%.

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 Lovejoy?

A typical home costs more than the typical income allows

We start with a typical home in Lovejoy, worth $265,100, 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 Lovejoy, which is $71,612 a year. For that payment to be 28% of income, a household would need to earn about $94,231 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 Lovejoy. 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 $9,279 (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

$2,199

at 7.18% · 30 years

Loan amount
$260,298
Total interest
$374,508
Paid off in
November 2056

Includes $4,477 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,671 a month

  • Tight

    $1,671 to $2,148 a month

  • Hard

    more than $2,148 a month

    Your payment · 37%

Compared with the typical household income in Lovejoy ($71,612 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,199
Principal & interest$1,763
Property tax$208
Home insurance$111
FHA mortgage insurance (MIP)$117

You need at least $9,279 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

Lovejoy and Clayton County

Lovejoy 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).

Lovejoy's own numbers

Typical home value
$265,100
Typical monthly rent
$1,481
Typical yearly household income
$71,612
Households that own their home
51%
Effective property tax rate
0.94%

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 Lovejoy

A typical home in Lovejoy is worth $265,100: 19% above the county and 13% below Georgia. With the typical household income in Lovejoy ($71,612 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.

  • Lovejoy 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

Lovejoy 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
  • Lovejoy $265,100
  • Clayton $222,300
  • Georgia $303,300
  • United States $332,700
Typical monthly rent
  • Lovejoy $1,481
  • Clayton $1,433
  • Georgia $1,393
  • United States $1,413
Typical yearly household income
  • Lovejoy $71,612
  • Clayton $59,806
  • Georgia $77,353
  • United States $80,734
See the full table
Lovejoy next to Clayton County and Georgia
Measure Lovejoy Clayton County Georgia U.S.
Typical home value $265,100 $222,300 $303,300 $332,700
Typical monthly rent $1,481 $1,433 $1,393 $1,413
Typical yearly household income $71,612 $59,806 $77,353 $80,734
Households that own their home 51% 55% 66% 65%
Typical yearly property tax $2,494 $1,933 $2,341 $3,119
Effective property tax rate 0.94% 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 Lovejoy

For a typical $265,100 home in Lovejoy, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Lovejoy's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,199a month

    Least cash to close
    Down payment
    $9,279
    Cash to close
    $17,232
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $117

  • Conventional, 5% down $2,150a month

    Down payment
    $13,255
    Cash to close
    $21,208
    Rate
    7.18%
    Mortgage insurance
    PMI · $126

  • Conventional, 20% down, no PMI $1,755a month

    Down payment
    $53,020
    Cash to close
    $60,973
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,000a month

    Down payment
    $39,765
    Cash to close
    $47,718
    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 Lovejoy and for Clayton County.

Property tax

Effective rate in Lovejoy

0.94%of the home’s value each year

$2,494 a year for the typical owner in Lovejoy.

  • Lovejoy 0.94%
  • 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 Lovejoy

Typical rent in Lovejoy is $1,481 a month: 3% above the county. In Lovejoy, 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 Lovejoy

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Lovejoy has 2 ZIP codes with their own.

For 2 bedrooms it is $1,730 in all of them.

None is above the fair market rent for Clayton County ($1,762).

  • 30228 $1,730$2,060
  • 30250 $1,730$2,060

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Lovejoy 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 Lovejoy

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.

An older woman smiles in front of her apartment building.

HUD counseling is free or low-cost

Assistance programs in Lovejoy

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

The HUD-approved agencies closest to the center of Lovejoy, 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 · 8 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

  • Nid-Hca Georgia

    4788 Jonesboro Rd, Bldg B, Ste1, Union City · 16 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 Lovejoy

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 Lovejoy

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

All guides
A couple spread mulch under the avocado trees of their family orchard, he on the tractor and she with a shovel.

Questions

Housing questions about Lovejoy

Short answers with the numbers for Lovejoy 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 Lovejoy?

The typical home value in Lovejoy is $265,100, 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 Lovejoy?

Typical rent in Lovejoy is $1,481 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 Lovejoy?

Lovejoy 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 Lovejoy?

The typical homeowner in Lovejoy pays $2,494 a year, according to the U.S. Census Bureau. That is 0.94% of the home’s value; in Clayton County, the rate is 0.87%.

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

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).