City · 33,750 residents · Columbia County, Georgia
Martinez, Georgia
In Martinez, a typical home is worth $246,100 and typical rent is $1,284 a month. Compared with all of Columbia County, the typical home value is 19% lower, typical household income is 15% lower, and the share of households that own their home is 7 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $225,638 to $283,691.
Typical rent
$1,672a month
▲ 0.8% more than 12 months ago
Typical rent from Zillow, March 2022 to September 2026: from $1,365 to $1,672.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Martinez is in Columbia 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 Columbia County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Waynesboro, the typical rent is $746: 42% less than in Martinez ($1,284).
2
Nearby, in Thomson, the typical home value is $161,100: 35% less than in Martinez ($246,100).
3
The typical home in Martinez is worth $246,100,19% less than in Columbia County as a whole ($305,300).
4
71% of households in Martinez own their home, against 78% in Columbia County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Martinez
What homes there are in Martinez, 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
Martinez
Columbia County
Georgia
United States
Kind of home: Martinez and its comparisons
Measure
Martinez
Columbia County
Georgia
United States
Detached house
77%
80%
66%
61%
Attached house
6%
6%
4%
6%
Building of 2 to 4
5%
3%
5%
8%
Apartments (5 or more)
Unreliable estimate
6%
16%
19%
Mobile home
Unreliable estimate
6%
8%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
As in Columbia County, most homes in Martinez are detached houses (77%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Martinez
Columbia County
Georgia
United States
Year built: Martinez and its comparisons
Measure
Martinez
Columbia County
Georgia
United States
Before 1960
3%
3%
12%
26%
1960–1979
30%
15%
20%
24%
1980–1999
51%
35%
33%
25%
2000–2009
9%
21%
21%
14%
2010 or later
8%
27%
14%
11%
In Martinez, half of the homes were built before 1985; in Columbia County, before 1999.
Much as in Columbia County, 80% of homes in Martinez have 3 bedrooms or more.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K24%
$200K–$300K40%
$300K–$500K24%
$500K–$750K5%
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Martinez and its comparisons
Measure
Martinez
Under $100K
Unreliable estimate
$100K–$200K
24%
$200K–$300K
40%
$300K–$500K
24%
$500K–$750K
5%
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99922%
$1,000–$1,49945%
$1,500–$1,99923%
$2,000–$2,49910%
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Martinez and its comparisons
Measure
Martinez
Under $500
Unreliable
$500–$999
22%
$1,000–$1,499
45%
$1,500–$1,999
23%
$2,000–$2,499
10%
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
With a mortgage
$1,554 a month
Columbia County: $1,859 a month
Without a mortgage
$558 a month
Columbia County: $571 a month
Owners with a mortgage
60%
Columbia County: 69%
In Martinez, 60% of owners have a mortgage, and their typical cost is $1,554 a month, against $1,859 in Columbia County. Without one it drops to $558.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Martinez+51%
Columbia County+50%
Georgia+72%
United States+53%
Typical rent
Martinez+18%
Columbia County+23%
Georgia+39%
United States+33%
Typical household income
MartinezNo clear change
Columbia County+16%
Georgia+32%
United States+29%
Change since 2015–2019: Martinez and its comparisons
Measure
Martinez
Columbia County
Georgia
United States
Typical home value
+51%
+50%
+72%
+53%
Typical rent
+18%
+23%
+39%
+33%
Typical household income
No clear change
+16%
+32%
+29%
From 2015–2019 to 2020–2024, home values in Martinez rose at about the same pace as in Columbia County: 51% against 50%.
Rents in Martinez rose more slowly than in Columbia County: 18% since 2015–2019, against 23%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Martinez and its comparisons
Measure
Martinez
Columbia County
Georgia
United States
Rental vacancy
11.5%
8.7%
6.8%
5.5%
Homeowner vacancy
Unreliable estimate
2.6%
1.1%
0.9%
More than one person per room
Unreliable estimate
1.1%
2.4%
3.4%
People per household
2.67
2.93
2.62
2.53
Drive alone
77%
79%
71%
69%
Carpool
12%
8%
9%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
Unreliable estimate
1%
3%
Work from home
9%
11%
16%
15%
Other means
Unreliable estimate
1%
2%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
In Martinez, the rental vacancy rate is 11.5%; in Columbia County, 8.7%.
Households in Martinez are smaller: 2.67 people on average; in Columbia County, 2.93.
Carpooling is common in Martinez: 12% of workers get to work that way, against 8% in Columbia County.
Do the math
What would you pay each month for a home in Martinez?
A typical home is tight for the typical income
We start with a typical home in Martinez, worth $246,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 30% of the typical household income in Martinez, which is $81,602 a year. For that payment to be 28% of income, a household would need to earn about $86,335 a year.
The calculator's FHA and conventional loan limits are those of all of Columbia 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 Martinez. 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 $8,614 (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
$2,014
at 7.18% · 30 years
Loan amount
$241,642
Total interest
$347,666
Paid off in
November 2056
Includes $4,156 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,904 a month
Tight
$1,904 to $2,448 a month
Your payment · 30%
Hard
more than $2,448 a month
Compared with the typical household income in Martinez ($81,602 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,637
Property tax
$166
Home insurance
$103
FHA mortgage insurance (MIP)
$109
You need at least $8,614 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 $2,014; principal and interest $1,637.
The city and its county
Martinez and Columbia County
Martinez is in Columbia 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).
Martinez
Map of Columbia County, Georgia, with Martinez marked. Around it, the neighboring counties.
Martinez
Columbia County
Other cities with a page
Martinez's own numbers
Typical home value
$246,100
Typical monthly rent
$1,284
Typical yearly household income
$81,602
Households that own their home
71%
Effective property tax rate
0.81%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Columbia County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,329
Price change over 5 years (FHFA)
+54%
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 Columbia County.
A typical home in Martinez is worth $246,100: 19% below the county and 19% below Georgia. With the typical household income in Martinez ($81,602 a year), a typical home costs 3.0 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.
Martinez3.0 years
Columbia3.2 years
Georgia3.9 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Columbia County
According to FHFA’s house price index, home prices in Columbia County rose 90% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Columbia County.
Yearly change in FHFA’s price index in Columbia County, 2016 to 2025
2016: +3.0% +3.0% 2016
2017: +3.5% +3.5% 2017
2018: +6.2% +6.2% 2018
2019: +3.4% +3.4% 2019
2020: +5.8% +5.8% 2020
2021: +12.1% +12.1% 2021
2022: +15.9% +15.9% 2022
2023: +9.6% +9.6% 2023
2024: +3.0% +3.0% 2024
2025: +4.7% +4.7% 2025
Change in FHFA’s price index in Columbia County, Georgia and the United States
Period
County
Georgia
U.S.
Last year (2025)
+4.7%
+2.2%
+2.9%
5 years (2020–2025)
+54%
+58%
+47%
10 years (2015–2025)
+90%
+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
Martinez next to Columbia 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
Martinez$246,100
Columbia$305,300
Georgia$303,300
United States$332,700
Typical monthly rent
Martinez$1,284
Columbia$1,409
Georgia$1,393
United States$1,413
Typical yearly household income
Martinez$81,602
Columbia$95,592
Georgia$77,353
United States$80,734
See the full table
Martinez next to Columbia County and Georgia
Measure
Martinez
Columbia County
Georgia
U.S.
Typical home value
$246,100 ▼19% below the county
$305,300
$303,300
$332,700
Typical monthly rent
$1,284 ▼9% below the county
$1,409
$1,393
$1,413
Typical yearly household income
$81,602 ▼15% below the county
$95,592
$77,353
$80,734
Households that own their home
71% ▼7 points below the county
78%
66%
65%
Typical yearly property tax
$1,993 ▼21% below the county
$2,515
$2,341
$3,119
Effective property tax rate
0.81% ▼0.01 points below the county
0.82%
0.77%
0.94%
Renters with high rent for their income
52% ▲3 points above the county
50%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Columbia 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 Martinez
For a typical $246,100 home in Martinez, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Martinez's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,014a month
Least cash to close
Down payment
$8,614
Cash to close
$15,997
Rate
7.18%
Mortgage insurance
FHA MIP · $109
Conventional, 5% down$1,969a month
Down payment
$12,305
Cash to close
$19,688
Rate
7.18%
Mortgage insurance
PMI · $117
Conventional, 20% down, no PMI$1,602a month
Down payment
$49,220
Cash to close
$56,603
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,830a month
Down payment
$36,915
Cash to close
$44,298
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Martinez
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,014
$8,614
$241,643
7.18%
FHA MIP · $109
$15,997
580
Conventional, 5% down
$1,969
$12,305
$233,795
7.18%
PMI · $117
$19,688
620*
Conventional, 20% down, no PMI
$1,602
$49,220
$196,880
7.18%
None
$56,603
620*
ITIN, 15% down (example)
$1,830
$36,915
$209,185
8.18%
None
$44,298
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 Martinez is $1,284 a month: 9% below the county. In Martinez, 52% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Columbia County, by unit size. To pay the 2-bedroom one ($1,329 a month) without spending more than 30% of your income, you would need to earn $25.56 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 Columbia County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$997
$19.17
$39,880
1 bedroom
$1,202
$23.12
$48,080
2 bedrooms
$1,329
$25.56
$53,160
3 bedrooms
$1,672
$32.15
$66,880
4 bedrooms
$2,035
$39.13
$81,400
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 Martinez
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Martinez is in ZIP code 30907.
For 2 bedrooms it is $1,490: $161 more than the fair market rent for Columbia County ($1,329).
Fair market rent by ZIP code and size in Martinez, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
30907
$1,120
$1,350
$1,490
$1,870
$2,280
ZIP code2 bd3 bd
30907 $1,490$1,870
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Martinez 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 Columbia 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 Martinez or Columbia County. The ones below are statewide in Georgia: they work in Martinez 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 Martinez or Columbia 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 Martinez and all of Columbia 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 Martinez?
The typical home value in Martinez is $246,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Columbia County it is $305,300.
How much does it cost to rent in Martinez?
Typical rent in Martinez is $1,284 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Columbia County is $1,329.
What is the FHA loan limit in Martinez?
Martinez uses the FHA limit for all of Columbia 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 Martinez?
The typical homeowner in Martinez pays $1,993 a year, according to the U.S. Census Bureau. That is 0.81% of the home’s value; in Columbia County, the rate is 0.82%.
Where can I find free help to buy or rent in Martinez?
We found no HUD-approved counseling agencies with an office in Columbia County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
