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City · 30,947 residents · Henry County, Georgia

McDonough , Georgia

In McDonough, a typical home is worth $314,600 and typical rent is $1,792 a month. Compared with all of Henry County, typical household income is 9% lower, typical rent is 7% higher, and the share of households that own their home is 20 points lower.

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  • Typical home value

    $314,600

    About the same as the county

    4% above Georgia

    • McDonough
    • Henry
    • Georgia

  • Typical rent

    $1,792a month

    7% above the county

    29% above Georgia

    • McDonough
    • Henry
    • Georgia

  • Typical household income

    $75,343a year

    9% below the county

    3% below Georgia

    • McDonough
    • Henry
    • Georgia

  • Households that own their home

    55%

    20 points below the county

    11 points below Georgia

    • McDonough
    • Henry
    • Georgia

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

Market now, with Zillow data

Zillow data
Typical home value
$334,022
2.4% less than 12 months ago
Typical rent
$1,852 a month
1.5% more than 12 months ago

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

McDonough is in Henry 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 Henry County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets McDonough apart

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

  1. 55% of households in McDonough own their home, against 75% in Henry County.

  2. Nearby, in Irondale, the typical home value is $204,500: 35% less than in McDonough ($314,600).

  3. Nearby, in Lovejoy, the typical rent is $1,481: 17% less than in McDonough ($1,792).

  4. McDonough has the 12th largest share of rent-burdened renters of the 157 cities in Georgia with more than 5,000 people (67%).

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

The homes here

Housing in McDonough

What homes there are in McDonough, 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 McDonough, but it weighs less than in Henry County: 64% against 83%.

Year built

Homes in McDonough are newer: the typical year built is 2006; in Henry County, 2001.

There are fewer big homes in McDonough than in Henry County: 72% have 3 bedrooms or more, against 85%.

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

$1,791 a month

Henry County: $1,787 a month

Without a mortgage

$501 a month

Henry County: $574 a month

Owners with a mortgage

79%

Henry County: 76%

Owning costs about the same in McDonough as in Henry County: with a mortgage, $1,791 a month; without one, $501.

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 McDonough rose 92%; in Henry County, it rose 79%.

Since 2015–2019, the typical rent in McDonough rose 58%, more than in Henry County (42%).

The typical household income in McDonough rose 19%: less than home values (+92%) and rent (+58%).

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

MeasureMcDonoughHenry CountyGeorgiaUnited States
Rental vacancy Unreliable estimate6.5%6.8%5.5%
Homeowner vacancy Unreliable estimate1.0%1.1%0.9%
More than one person per room Unreliable estimate1.9%2.4%3.4%
People per household 2.762.872.622.53
Drive alone 78%74%71%69%
Carpool 8%8%9%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate1%1%3%
Work from home 12%16%16%15%
Other means Unreliable estimate1%2%2%
Typical commute Unreliable estimateUnreliable estimate20 to 29 minutes20 to 29 minutes

By size, households in McDonough look like those in Henry County: 2.76 people on average.

To get to work, 78% of workers in McDonough drive alone; in Henry County, 74%.

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 McDonough?

A typical home costs more than the typical income allows

We start with a typical home in McDonough, worth $314,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 42% of the typical household income in McDonough, which is $75,343 a year. For that payment to be 28% of income, a household would need to earn about $111,938 a year.

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

Your numbers

Local data
$

Starts at the typical home value in McDonough. 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 $11,011 (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

$2,612

at 7.18% · 30 years

Loan amount
$308,902
Total interest
$444,437
Paid off in
November 2056

Includes $5,313 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,758 a month

  • Tight

    $1,758 to $2,260 a month

  • Hard

    more than $2,260 a month

    Your payment · 42%

Compared with the typical household income in McDonough ($75,343 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,612
Principal & interest$2,093
Property tax$249
Home insurance$131
FHA mortgage insurance (MIP)$139

You need at least $11,011 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

McDonough and Henry County

McDonough is in Henry 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).

McDonough's own numbers

Typical home value
$314,600
Typical monthly rent
$1,792
Typical yearly household income
$75,343
Households that own their home
55%
Effective property tax rate
0.95%

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

Numbers for all of Henry 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)
+57%
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 Henry County.

Everything about Henry County

Buying

Buying a home in McDonough

A typical home in McDonough is worth $314,600: about the same as the county and 4% above Georgia. With the typical household income in McDonough ($75,343 a year), a typical home costs 4.2 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.

  • McDonough 4.2 years
  • Henry 3.8 years
  • Georgia 3.9 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Henry County

According to FHFA’s house price index, home prices in Henry County rose 117% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Henry County.

Period County Georgia U.S.
Last year (2025) +0.5% +2.2% +2.9%
5 years (2020–2025) +57% +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

McDonough next to Henry 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
  • McDonough $314,600
  • Henry $313,900
  • Georgia $303,300
  • United States $332,700
Typical monthly rent
  • McDonough $1,792
  • Henry $1,674
  • Georgia $1,393
  • United States $1,413
Typical yearly household income
  • McDonough $75,343
  • Henry $83,146
  • Georgia $77,353
  • United States $80,734
See the full table
McDonough next to Henry County and Georgia
Measure McDonough Henry County Georgia U.S.
Typical home value $314,600 $313,900 $303,300 $332,700
Typical monthly rent $1,792 $1,674 $1,393 $1,413
Typical yearly household income $75,343 $83,146 $77,353 $80,734
Households that own their home 55% 75% 66% 65%
Typical yearly property tax $2,973 $2,741 $2,341 $3,119
Effective property tax rate 0.95% 0.87% 0.77% 0.94%
Renters with high rent for their income 67% 58% 52% 51%

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

For a typical $314,600 home in McDonough, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, McDonough's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,612a month

    Least cash to close
    Down payment
    $11,011
    Cash to close
    $20,449
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $139

  • Conventional, 5% down $2,554a month

    Down payment
    $15,730
    Cash to close
    $25,168
    Rate
    7.18%
    Mortgage insurance
    PMI · $149

  • Conventional, 20% down, no PMI $2,085a month

    Down payment
    $62,920
    Cash to close
    $72,358
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,376a month

    Down payment
    $47,190
    Cash to close
    $56,628
    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 McDonough and for Henry County.

Property tax

Effective rate in McDonough

0.95%of the home’s value each year

$2,973 a year for the typical owner in McDonough.

  • McDonough 0.95%
  • Henry 0.87%
  • Georgia 0.77%

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

Exemptions and deadlines in Georgia

Flood risk in Henry County

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

Homes in the high-risk zone
0.3%
260
Of those, with NFIP insurance
64%
County Georgia U.S.
Homes in the high-risk zone 0.3% 2% 3.5%
Of those, with NFIP insurance 64% 43% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in McDonough

Typical rent in McDonough is $1,792 a month: 7% above the county. In McDonough, 67% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Henry 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 Henry 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 McDonough

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

For 2 bedrooms it runs from $1,800 in 30253 to $2,050 in 30252.

2 of the 2 are above the fair market rent for Henry County ($1,762).

  • 30252 $2,050$2,440
  • 30253 $1,800$2,140

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

HUD lists 11 buildings with rents for lower incomes in McDonough. These are the largest.

  • Sable Chase 102 Sable Chase Blvd, McDonough 30253 152 homes, 151 low-income · In service since 1994
  • Eastside Homes 12 Hooten St, McDonough 30253 118 low-income homes · Run by Housing Authority of the City of McDonough · Average payment: $457 a month · Average wait: 27 months (770) 957-4494
  • Sable Chase 102 Sable Chase Blvd, McDonough 30253 225 homes, 96 low-income · In service since 1994
  • Sable Chase 102 Sable Chase Blvd, McDonough 30253 72 homes, 71 low-income · In service since 1994
  • Greystone Apartments of Mcdonough 100 Greystone Dr, McDonough 30252 56 low-income homes · In service since 2010

See all 16 buildings in Henry County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in McDonough

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 Henry County. The nearest ones are below; many serve by phone or online.

A man shakes hands with the specialist who helped him with his loan, in the kitchen of his new home.

HUD counseling is free or low-cost

Assistance programs in McDonough

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

The HUD-approved agencies closest to the center of McDonough, 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 · 16 miles away

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

  • The Homeowners Employment Corporation

    1500 Klondike Rd SW, Conyers · 17 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 5 more
    404-492-6554-503

  • Veterans Center

    320 Lanier Ave W, Fayetteville · 18 miles away

    Also serves in Creole, French, and other languages.

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

All counseling agencies in Georgia

Help in Spanish near McDonough

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 McDonough

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

  • Housing Authority of the City of McDonough Public housing (770) 957-4494

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

Cities

Other cities in Henry County

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

Everything about Henry County Housing in Georgia

Nearby cities

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

Neighboring counties

If Henry 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 McDonough.

All guides
A mother holds hands with her two daughters on the beach at sunset.

Questions

Housing questions about McDonough

Short answers with the numbers for McDonough and all of Henry 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 McDonough?

The typical home value in McDonough is $314,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Henry County it is $313,900.

How much does it cost to rent in McDonough?

Typical rent in McDonough is $1,792 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Henry County is $1,762.

What is the FHA loan limit in McDonough?

McDonough uses the FHA limit for all of Henry 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 McDonough?

The typical homeowner in McDonough pays $2,973 a year, according to the U.S. Census Bureau. That is 0.95% of the home’s value; in Henry County, the rate is 0.87%.

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

We found no HUD-approved counseling agencies with an office in Henry County; the nearest ones are on this page. 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).