In Milledgeville, a typical home is worth $193,100 and typical rent is $913 a month. Compared with all of Baldwin County, typical household income is 24% lower, the typical home value is 6% higher, and the share of households that own their home is 28 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $196,730 to $240,752.
Typical rent
$1,458a month
▲ 7% more than 12 months ago
Typical rent from Zillow, September 2024 to September 2026: from $1,272 to $1,458.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Milledgeville is in Baldwin 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 Baldwin County. See the county
What this place has that others do not, from public data, most unusual first.
1
33% of households in Milledgeville own their home, against 61% in Baldwin County.
2
Nearby, in Sandersville, the typical home value is $121,000: 37% less than in Milledgeville ($193,100).
3
The typical household income in Milledgeville is $41,616,24% less than in Baldwin County as a whole ($54,403).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Milledgeville
What homes there are in Milledgeville, 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
Milledgeville
Baldwin County
Georgia
United States
Kind of home: Milledgeville and its comparisons
Measure
Milledgeville
Baldwin County
Georgia
United States
Detached house
43%
55%
66%
61%
Attached house
Unreliable estimate
Unreliable estimate
4%
6%
Building of 2 to 4
20%
9%
5%
8%
Apartments (5 or more)
31%
12%
16%
19%
Mobile home
5%
21%
8%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Homes in Milledgeville are varied: detached houses are the largest group, at 43%, against 55% in Baldwin County.
Year built
Before 19601960–19791980–19992000–20092010 or later
Milledgeville
Baldwin County
Georgia
United States
Year built: Milledgeville and its comparisons
Measure
Milledgeville
Baldwin County
Georgia
United States
Before 1960
16%
11%
12%
26%
1960–1979
34%
27%
20%
24%
1980–1999
23%
36%
33%
25%
2000–2009
19%
19%
21%
14%
2010 or later
8%
7%
14%
11%
Homes in Milledgeville are older: the typical year built is 1980; in Baldwin County, 1987.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K23%
$100K–$200K29%
$200K–$300K28%
$300K–$500K11%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Milledgeville and its comparisons
Measure
Milledgeville
Under $100K
23%
$100K–$200K
29%
$200K–$300K
28%
$300K–$500K
11%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
At least 91% of owner-occupied homes in Milledgeville are worth less than $500,000, below the FHA loan limit for Baldwin County ($541,287).
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99958%
$1,000–$1,49931%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Milledgeville and its comparisons
Measure
Milledgeville
Under $500
Unreliable estimate
$500–$999
58%
$1,000–$1,499
31%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
With a mortgage
$1,270 a month
Baldwin County: $1,358 a month
Without a mortgage
$566 a month
Baldwin County: $535 a month
Owners with a mortgage
48%
Baldwin County: 45%
The typical cost for an owner with a mortgage in Milledgeville is $1,270 a month, less than in Baldwin County ($1,358); without one, $566.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Milledgeville+58%
Baldwin County+51%
Georgia+72%
United States+53%
Typical rent
Milledgeville+31%
Baldwin County+31%
Georgia+39%
United States+33%
Typical household income
Milledgeville+45%
Baldwin County+25%
Georgia+32%
United States+29%
Change since 2015–2019: Milledgeville and its comparisons
Measure
Milledgeville
Baldwin County
Georgia
United States
Typical home value
+58%
+51%
+72%
+53%
Typical rent
+31%
+31%
+39%
+33%
Typical household income
+45%
+25%
+32%
+29%
The typical home value in Milledgeville rose 58% since 2015–2019, more than in Baldwin County (51%).
Rents in Milledgeville rose at about the same pace as in Baldwin County: 31% since 2015–2019, against 31%.
While home values in Milledgeville changed +58% and rent +31%, the typical household income rose 45%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Milledgeville and its comparisons
Measure
Milledgeville
Baldwin County
Georgia
United States
Rental vacancy
13.4%
12.5%
6.8%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
1.1%
0.9%
More than one person per room
Unreliable estimate
3.1%
2.4%
3.4%
People per household
2.07
2.28
2.62
2.53
Drive alone
79%
80%
71%
69%
Carpool
8%
9%
9%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
Unreliable estimate
1%
3%
Work from home
8%
8%
16%
15%
Other means
Unreliable estimate
Unreliable estimate
2%
2%
Typical commute
10 to 19 minutes
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
In Milledgeville, the rental vacancy rate is 13.4%, about the same as in Baldwin County.
Fewer people live in each home here: 2.07 on average, against 2.28 in Baldwin County.
To get to work, 79% of workers in Milledgeville drive alone; in Baldwin County, 80%.
Do the math
What would you pay each month for a home in Milledgeville?
A typical home costs more than the typical income allows
We start with a typical home in Milledgeville, worth $193,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 46% of the typical household income in Milledgeville, which is $41,616 a year. For that payment to be 28% of income, a household would need to earn about $67,880 a year.
The calculator's FHA and conventional loan limits are those of all of Baldwin 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 Milledgeville. 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 $6,759 (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
$1,584
at 7.18% · 30 years
Loan amount
$189,602
Total interest
$272,793
Paid off in
November 2056
Includes $3,261 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $971 a month
Tight
$971 to $1,248 a month
Hard
more than $1,248 a month
Your payment · 46%
Compared with the typical household income in Milledgeville ($41,616 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,284
Property tax
$134
Home insurance
$81
FHA mortgage insurance (MIP)
$85
You need at least $6,759 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 $1,584; principal and interest $1,284.
The city and its county
Milledgeville and Baldwin County
Milledgeville is in Baldwin 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).
Milledgeville
Map of Baldwin County, Georgia, with Milledgeville marked. Around it, the neighboring counties.
Milledgeville
Baldwin County
Milledgeville's own numbers
Typical home value
$193,100
Typical monthly rent
$913
Typical yearly household income
$41,616
Households that own their home
33%
Effective property tax rate
0.83%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Baldwin County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,104
Price change over 5 years (FHFA)
+52%
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 Baldwin County.
A typical home in Milledgeville is worth $193,100: 6% above the county and 36% below Georgia. With the typical household income in Milledgeville ($41,616 a year), a typical home costs 4.6 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.
Milledgeville4.6 years
Baldwin3.3 years
Georgia3.9 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Baldwin County
According to FHFA’s house price index, home prices in Baldwin County rose 93% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Baldwin County.
Yearly change in FHFA’s price index in Baldwin County, 2016 to 2025
2016: +2.3% +2.3% 2016
2017: +1.4% +1.4% 2017
2018: +8.4% +8.4% 2018
2019: +9.0% +9.0% 2019
2020: +4.2% +4.2% 2020
2021: +10.2% +10.2% 2021
2022: +18.2% +18.2% 2022
2023: +7.7% +7.7% 2023
2024: +10.2% +10.2% 2024
2025: −2.0% −2.0% 2025
Change in FHFA’s price index in Baldwin County, Georgia and the United States
Period
County
Georgia
U.S.
Last year (2025)
−2.0%
+2.2%
+2.9%
5 years (2020–2025)
+52%
+58%
+47%
10 years (2015–2025)
+93%
+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
Milledgeville next to Baldwin 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
Milledgeville$193,100
Baldwin$181,900
Georgia$303,300
United States$332,700
Typical monthly rent
Milledgeville$913
Baldwin$923
Georgia$1,393
United States$1,413
Typical yearly household income
Milledgeville$41,616
Baldwin$54,403
Georgia$77,353
United States$80,734
See the full table
Milledgeville next to Baldwin County and Georgia
Measure
Milledgeville
Baldwin County
Georgia
U.S.
Typical home value
$193,100 ▲6% above the county
$181,900
$303,300
$332,700
Typical monthly rent
$913
$923
$1,393
$1,413
Typical yearly household income
$41,616 ▼24% below the county
$54,403
$77,353
$80,734
Households that own their home
33% ▼28 points below the county
61%
66%
65%
Typical yearly property tax
$1,610 ▲26% above the county
$1,276
$2,341
$3,119
Effective property tax rate
0.83% ▲0.13 points above the county
0.7%
0.77%
0.94%
Renters with high rent for their income
65% ▲9 points above the county
55%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Baldwin 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 Milledgeville
For a typical $193,100 home in Milledgeville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Milledgeville's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,584a month
Least cash to close
Down payment
$6,759
Cash to close
$12,552
Rate
7.18%
Mortgage insurance
FHA MIP · $85
Conventional, 5% down$1,548a month
Down payment
$9,655
Cash to close
$15,448
Rate
7.18%
Mortgage insurance
PMI · $92
Conventional, 20% down, no PMI$1,261a month
Down payment
$38,620
Cash to close
$44,413
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,439a month
Down payment
$28,965
Cash to close
$34,758
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Milledgeville
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,584
$6,759
$189,602
7.18%
FHA MIP · $85
$12,552
580
Conventional, 5% down
$1,548
$9,655
$183,445
7.18%
PMI · $92
$15,448
620*
Conventional, 20% down, no PMI
$1,261
$38,620
$154,480
7.18%
None
$44,413
620*
ITIN, 15% down (example)
$1,439
$28,965
$164,135
8.18%
None
$34,758
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 Milledgeville is $913 a month: about the same as the county. In Milledgeville, 65% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Baldwin County, by unit size. To pay the 2-bedroom one ($1,104 a month) without spending more than 30% of your income, you would need to earn $21.23 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 Baldwin County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$790
$15.19
$31,600
1 bedroom
$869
$16.71
$34,760
2 bedrooms
$1,104
$21.23
$44,160
3 bedrooms
$1,315
$25.29
$52,600
4 bedrooms
$1,451
$27.90
$58,040
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 Milledgeville
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Milledgeville has 2 ZIP codes with their own.
For 2 bedrooms it runs from $1,110 in 31062 to $1,180 in 31061.
2 of the 2 are above the fair market rent for Baldwin County ($1,104).
Fair market rent by ZIP code and size in Milledgeville, fiscal year 2027.
31061
$980
$1,050
$1,180
$1,420
$1,560
31062
$800
$880
$1,110
$1,330
$1,460
ZIP code2 bd3 bd
31061 $1,180$1,420
31062 $1,110$1,330
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Milledgeville 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 Baldwin 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 Milledgeville or Baldwin County. The ones below are statewide in Georgia: they work in Milledgeville 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.
The HUD-approved agencies closest to the center of Milledgeville, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
No legal help resource on our list is for Milledgeville or Baldwin 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 Milledgeville and all of Baldwin 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 Milledgeville?
The typical home value in Milledgeville is $193,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Baldwin County it is $181,900.
How much does it cost to rent in Milledgeville?
Typical rent in Milledgeville is $913 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Baldwin County is $1,104.
What is the FHA loan limit in Milledgeville?
Milledgeville uses the FHA limit for all of Baldwin 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 Milledgeville?
The typical homeowner in Milledgeville pays $1,610 a year, according to the U.S. Census Bureau. That is 0.83% of the home’s value; in Baldwin County, the rate is 0.7%.
Where can I find free help to buy or rent in Milledgeville?
We found no HUD-approved counseling agencies with an office in Baldwin County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
