In Morrow, a typical home is worth $224,700 and typical rent is $1,515 a month. Compared with all of Clayton County, typical household income is 23% higher and typical rent is 6% higher.
Typical home value from Zillow, September 2021 to September 2026: from $190,933 to $222,357.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Morrow 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
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Forest Park, the typical home value is $143,400: 36% less than in Morrow ($224,700).
2
Nearby, in Jonesboro, the typical rent is $1,068: 30% less than in Morrow ($1,515).
3
According to Zillow, in the 12 months to September 2026 the typical home value in Morrow fell 5%; in Georgia, it fell 0.6%.
4
The typical household income in Morrow is $73,693,23% more than in Clayton County as a whole ($59,806).
Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data
The homes here
Housing in Morrow
What homes there are in Morrow, 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
Morrow
Clayton County
Georgia
United States
Kind of home: Morrow and its comparisons
Measure
Morrow
Clayton County
Georgia
United States
Detached house
74%
65%
66%
61%
Attached house
Unreliable estimate
5%
4%
6%
Building of 2 to 4
Unreliable estimate
6%
5%
8%
Apartments (5 or more)
Unreliable estimate
22%
16%
19%
Mobile home
Unreliable estimate
3%
8%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house rules in Morrow: 74% of homes, more than in Clayton County (65%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Morrow
Clayton County
Georgia
United States
Year built: Morrow and its comparisons
Measure
Morrow
Clayton County
Georgia
United States
Before 1960
Unreliable estimate
8%
12%
26%
1960–1979
55%
28%
20%
24%
1980–1999
16%
33%
33%
25%
2000–2009
23%
23%
21%
14%
2010 or later
Unreliable estimate
9%
14%
11%
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200KUnreliable
$200K–$300K46%
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Morrow and its comparisons
Measure
Morrow
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
46%
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49941%
$1,500–$1,99952%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Morrow and its comparisons
Measure
Morrow
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
41%
$1,500–$1,999
52%
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,450 a month
Clayton County: $1,453 a month
Without a mortgage
$475 a month
Clayton County: $538 a month
Owners with a mortgage
53%
Clayton County: 69%
In Morrow, 53% of owners have a mortgage; their typical cost is $1,450 a month, about the same as in Clayton County.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Morrow+100%
Clayton County+105%
Georgia+72%
United States+53%
Typical rent
Morrow+71%
Clayton County+45%
Georgia+39%
United States+33%
Typical household income
MorrowNo clear change
Clayton County+25%
Georgia+32%
United States+29%
Change since 2015–2019: Morrow and its comparisons
Measure
Morrow
Clayton County
Georgia
United States
Typical home value
+100%
+105%
+72%
+53%
Typical rent
+71%
+45%
+39%
+33%
Typical household income
No clear change
+25%
+32%
+29%
The typical home value in Morrow rose 100% since 2015–2019, less than in Clayton County (105%).
Since 2015–2019, the typical rent in Morrow rose 71%, more than in Clayton County (45%).
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Morrow and its comparisons
Measure
Morrow
Clayton County
Georgia
United States
Rental vacancy
Unreliable estimate
10.3%
6.8%
5.5%
Homeowner vacancy
Unreliable estimate
1.6%
1.1%
0.9%
More than one person per room
Unreliable estimate
3.4%
2.4%
3.4%
People per household
3.36
2.79
2.62
2.53
Drive alone
62%
72%
71%
69%
Carpool
27%
12%
9%
9%
Public transit
Unreliable estimate
2%
1%
3%
Walk or bike
Unreliable estimate
1%
1%
3%
Work from home
Unreliable estimate
11%
16%
15%
Other means
Unreliable estimate
3%
2%
2%
Typical commute
Unreliable estimate
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
Households in Morrow are bigger: 3.36 people on average; in Clayton County, 2.79.
More people carpool to work in Morrow than in Clayton County: 27% against 12%.
Do the math
What would you pay each month for a home in Morrow?
A typical home is tight for the typical income
We start with a typical home in Morrow, worth $224,700, 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 Morrow, which is $73,693 a year. For that payment to be 28% of income, a household would need to earn about $78,426 a year.
The calculator's FHA and conventional loan limits are those of all of Clayton 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 Morrow. 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 $7,865 (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
$1,830
at 7.18% · 30 years
Loan amount
$220,630
Total interest
$317,434
Paid off in
November 2056
Includes $3,795 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,720 a month
Tight
$1,720 to $2,211 a month
Your payment · 30%
Hard
more than $2,211 a month
Compared with the typical household income in Morrow ($73,693 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,495
Property tax
$142
Home insurance
$94
FHA mortgage insurance (MIP)
$99
You need at least $7,865 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 $1,830; principal and interest $1,495.
The city and its county
Morrow and Clayton County
Morrow 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).
Morrow
Map of Clayton County, Georgia, with Morrow marked. Around it, the neighboring counties.
Morrow
Clayton County
Other cities with a page
Morrow's own numbers
Typical home value
$224,700
Typical monthly rent
$1,515
Typical yearly household income
$73,693
Households that own their home
52%
Effective property tax rate
0.76%
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.
A typical home in Morrow is worth $224,700: about the same as the county and 26% below Georgia. With the typical household income in Morrow ($73,693 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.
Morrow3.0 years
Clayton3.7 years
Georgia3.9 years
United States4.1 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.
Yearly change in FHFA’s price index in Clayton County, 2016 to 2025
2016: +6.9% +6.9% 2016
2017: +11.5% +11.5% 2017
2018: +15.8% +15.8% 2018
2019: +11.8% +11.8% 2019
2020: +6.5% +6.5% 2020
2021: +20.5% +20.5% 2021
2022: +27.1% +27.1% 2022
2023: +9.9% +9.9% 2023
2024: +2.1% +2.1% 2024
2025: −2.3% −2.3% 2025
Change in FHFA’s price index in Clayton County, Georgia and the United States
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
Morrow 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
Morrow$224,700
Clayton$222,300
Georgia$303,300
United States$332,700
Typical monthly rent
Morrow$1,515
Clayton$1,433
Georgia$1,393
United States$1,413
Typical yearly household income
Morrow$73,693
Clayton$59,806
Georgia$77,353
United States$80,734
See the full table
Morrow next to Clayton County and Georgia
Measure
Morrow
Clayton County
Georgia
U.S.
Typical home value
$224,700
$222,300
$303,300
$332,700
Typical monthly rent
$1,515 ▲6% above the county
$1,433
$1,393
$1,413
Typical yearly household income
$73,693 ▲23% above the county
$59,806
$77,353
$80,734
Households that own their home
52% ▼3 points below the county
55%
66%
65%
Typical yearly property tax
$1,713 ▼11% below the county
$1,933
$2,341
$3,119
Effective property tax rate
0.76% ▼0.11 points below the county
0.87%
0.77%
0.94%
Renters with high rent for their income
49% ▼14 points below the county
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 Morrow
For a typical $224,700 home in Morrow, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Morrow's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,830a month
Least cash to close
Down payment
$7,865
Cash to close
$14,606
Rate
7.18%
Mortgage insurance
FHA MIP · $99
Conventional, 5% down$1,789a month
Down payment
$11,235
Cash to close
$17,976
Rate
7.18%
Mortgage insurance
PMI · $107
Conventional, 20% down, no PMI$1,454a month
Down payment
$44,940
Cash to close
$51,681
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,661a month
Down payment
$33,705
Cash to close
$40,446
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Morrow
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,830
$7,865
$220,630
7.18%
FHA MIP · $99
$14,606
580
Conventional, 5% down
$1,789
$11,235
$213,465
7.18%
PMI · $107
$17,976
620*
Conventional, 20% down, no PMI
$1,454
$44,940
$179,760
7.18%
None
$51,681
620*
ITIN, 15% down (example)
$1,661
$33,705
$190,995
8.18%
None
$40,446
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 Morrow is $1,515 a month: 6% above the county. In Morrow, 49% 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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Clayton County (Fiscal year 2027)
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 Morrow
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Morrow is in ZIP code 30260.
For 2 bedrooms it is $1,540: $222 less than the fair market rent for Clayton County ($1,762).
Fair market rent by ZIP code and size in Morrow, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
30260
$1,360
$1,410
$1,540
$1,830
$2,180
ZIP code2 bd3 bd
30260 $1,540$1,830
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Morrow 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.
There is 1 HUD-approved agency with an office in Clayton County; none says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Morrow or Clayton County. The ones below are statewide in Georgia: they work in Morrow 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 Morrow or Clayton 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 Morrow 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 Morrow?
The typical home value in Morrow is $224,700, 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 Morrow?
Typical rent in Morrow is $1,515 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 Morrow?
Morrow 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 Morrow?
The typical homeowner in Morrow pays $1,713 a year, according to the U.S. Census Bureau. That is 0.76% of the home’s value; in Clayton County, the rate is 0.87%.
Where can I find free help to buy or rent in Morrow?
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.
