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City · 14,588 residents · Colquitt County, Georgia

Moultrie , Georgia

In Moultrie, a typical home is worth $157,200 and typical rent is $790 a month. Compared with all of Colquitt County, the typical home value is 29% higher, typical household income is 11% lower, and the share of households that own their home is 23 points lower.

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  • Typical home value

    $157,200

    29% above the county

    48% below Georgia

    • Moultrie
    • Colquitt
    • Georgia

  • Typical rent

    $790a month

    3% below the county

    43% below Georgia

    • Moultrie
    • Colquitt
    • Georgia

  • Typical household income

    $43,670a year

    11% below the county

    44% below Georgia

    • Moultrie
    • Colquitt
    • Georgia

  • Households that own their home

    41%

    23 points below the county

    25 points below Georgia

    • Moultrie
    • Colquitt
    • Georgia

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

Market now, with Zillow data

Zillow data
Typical home value
$165,757
5.4% more than 12 months ago
Typical rent
$1,285 a month

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

Moultrie is in Colquitt 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 Colquitt County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Moultrie apart

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

  1. 41% of households in Moultrie own their home, against 64% in Colquitt County.

  2. Nearby, in Camilla, the typical home value is $85,400: 46% less than in Moultrie ($157,200).

  3. According to Zillow, in the 12 months to September 2026 the typical home value in Moultrie rose 5.4%; in Georgia, it fell 0.6%.

  4. The typical home in Moultrie is worth $157,200, 29% more than in Colquitt County as a whole ($121,400).

  5. Moultrie has the 12th lowest typical rent of the 162 cities in Georgia with more than 5,000 people ($790).

Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data

The homes here

Housing in Moultrie

What homes there are in Moultrie, 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 the most common home in Moultrie: 57% of homes, near the figure in Colquitt County (60%).

Year built

The typical home in Moultrie was built in 1978, 8 years before the typical one in Colquitt County.

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

With an FHA limit of $541,287, at least 96% of owner-occupied homes in Moultrie sit below it: they are worth less than $500,000.

Monthly rent with utilities

About 66% of rented homes in Moultrie cost less than HUD's 2-bedroom fair market rent for Colquitt County ($1,002).

With a mortgage

$1,158 a month

Colquitt County: $1,174 a month

Without a mortgage

$526 a month

Colquitt County: $428 a month

Owners with a mortgage

56%

Colquitt County: 40%

In Moultrie, 56% of owners have a mortgage; their typical cost is $1,158 a month, about the same as in Colquitt County.

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

Since 2015–2019, homes in Moultrie gained value faster than in Colquitt County: 67% against 42%.

Since 2015–2019, the typical rent in Moultrie rose 14%, less than in Colquitt County (26%).

To compare: typical income in Moultrie rose 61%; the home, +67%; the rent, +14%.

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

MeasureMoultrieColquitt CountyGeorgiaUnited States
Rental vacancy Unreliable estimateUnreliable estimate6.8%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.1%0.9%
More than one person per room Unreliable estimate4.9%2.4%3.4%
People per household 2.432.692.622.53
Drive alone 80%77%71%69%
Carpool 16%13%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimateUnreliable estimate1%3%
Work from home Unreliable estimate6%16%15%
Other means Unreliable estimateUnreliable estimate2%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Moultrie has 2.43 people, fewer than in Colquitt County (2.69).

In Moultrie, 80% of workers drive alone to work; in Colquitt County, 77%.

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 Moultrie?

A typical home is tight for the typical income

We start with a typical home in Moultrie, worth $157,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 35% of the typical household income in Moultrie, which is $43,670 a year. For that payment to be 28% of income, a household would need to earn about $55,316 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Moultrie. 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 $5,502 (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

$1,291

at 7.18% · 30 years

Loan amount
$154,353
Total interest
$222,077
Paid off in
November 2056

Includes $2,655 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,019 a month

  • Tight

    $1,019 to $1,310 a month

    Your payment · 35%

  • Hard

    more than $1,310 a month

Compared with the typical household income in Moultrie ($43,670 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,291
Principal & interest$1,046
Property tax$110
Home insurance$66
FHA mortgage insurance (MIP)$70

You need at least $5,502 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

Moultrie and Colquitt County

Moultrie is in Colquitt 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).

Moultrie's own numbers

Typical home value
$157,200
Typical monthly rent
$790
Typical yearly household income
$43,670
Households that own their home
41%
Effective property tax rate
0.84%

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

Numbers for all of Colquitt County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,002
Price change over 5 years (FHFA)
+65%
Homes in a high flood-risk zone
2.4%

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 Colquitt County.

Everything about Colquitt County

Buying

Buying a home in Moultrie

A typical home in Moultrie is worth $157,200: 29% above the county and 48% below Georgia. With the typical household income in Moultrie ($43,670 a year), a typical home costs 3.6 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.

  • Moultrie 3.6 years
  • Colquitt 2.5 years
  • Georgia 3.9 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Colquitt County

According to FHFA’s house price index, home prices in Colquitt County rose 85% in the 10 years through 2025.

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

Period County Georgia U.S.
Last year (2025) +12.2% +2.2% +2.9%
5 years (2020–2025) +65% +58% +47%
10 years (2015–2025) +85% +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

Moultrie next to Colquitt 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
  • Moultrie $157,200
  • Colquitt $121,400
  • Georgia $303,300
  • United States $332,700
Typical monthly rent
  • Moultrie $790
  • Colquitt $818
  • Georgia $1,393
  • United States $1,413
Typical yearly household income
  • Moultrie $43,670
  • Colquitt $49,341
  • Georgia $77,353
  • United States $80,734
See the full table
Moultrie next to Colquitt County and Georgia
Measure Moultrie Colquitt County Georgia U.S.
Typical home value $157,200 $121,400 $303,300 $332,700
Typical monthly rent $790 $818 $1,393 $1,413
Typical yearly household income $43,670 $49,341 $77,353 $80,734
Households that own their home 41% 64% 66% 65%
Typical yearly property tax $1,314 $1,014 $2,341 $3,119
Effective property tax rate 0.84% 0.84% 0.77% 0.94%
Renters with high rent for their income 45% 44% 52% 51%

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

For a typical $157,200 home in Moultrie, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Moultrie's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,291a month

    Least cash to close
    Down payment
    $5,502
    Cash to close
    $10,218
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $70

  • Conventional, 5% down $1,262a month

    Down payment
    $7,860
    Cash to close
    $12,576
    Rate
    7.18%
    Mortgage insurance
    PMI · $75

  • Conventional, 20% down, no PMI $1,027a month

    Down payment
    $31,440
    Cash to close
    $36,156
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,173a month

    Down payment
    $23,580
    Cash to close
    $28,296
    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 Moultrie and for Colquitt County.

Property tax

Effective rate in Moultrie

0.84%of the home’s value each year

$1,314 a year for the typical owner in Moultrie.

  • Moultrie 0.84%
  • Colquitt 0.84%
  • Georgia 0.77%

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

Exemptions and deadlines in Georgia

Flood risk in Colquitt County

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

Homes in the high-risk zone
2.4%
451
Of those, with NFIP insurance
11%
County Georgia U.S.
Homes in the high-risk zone 2.4% 2% 3.5%
Of those, with NFIP insurance 11% 43% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Moultrie

Typical rent in Moultrie is $790 a month: 3% below the county. In Moultrie, 45% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Colquitt County, by unit size. To pay the 2-bedroom one ($1,002 a month) without spending more than 30% of your income, you would need to earn $19.27 an hour working full time.

HUD fair market rent for all of Colquitt 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 $761 $14.63 $30,440
1 bedroom $766 $14.73 $30,640
2 bedrooms $1,002 $19.27 $40,080
3 bedrooms $1,194 $22.96 $47,760
4 bedrooms $1,561 $30.02 $62,440

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 Moultrie

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

For 2 bedrooms it runs from $1,020 in 31768 to $1,080 in 31788.

2 of the 2 are above the fair market rent for Colquitt County ($1,002).

  • 31768 $1,020$1,390
  • 31788 $1,080$1,430

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

HUD lists 22 buildings with rents for lower incomes in Moultrie. These are the largest.

  • Westland Homes 612A 7th Ave NW, Moultrie 31768 214 low-income homes · Run by Housing Authority of the City of Moultrie · Average payment: $388 a month · Average wait: 3 months (229) 985-4162
  • The Forest Apartments I and II 582 26th Ave SE, Moultrie 31768 119 homes, 118 low-income · 1 bd: 98 · 2 bd: 21 · In service since 2018 · For older adults
  • Sunrise Apts 801A 4th Ave SE, Moultrie 31768 114 low-income homes · Run by Housing Authority of the City of Moultrie · Average payment: $434 a month · Average wait: 3 months (229) 985-4162
  • Northgate Apartments 1515 4th Ave NE, Moultrie 31768 112 low-income homes · In service since 1999
  • Paradise Moultrie Apartments 533 7th St SE, Moultrie 31768 100 low-income homes · For families (229) 985-5760

See all 23 buildings in Colquitt County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Moultrie

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

A man leans over the armchair to help a teenage girl with her book.

HUD counseling is free or low-cost

Assistance programs in Moultrie

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

The HUD-approved agencies closest to the center of Moultrie, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Family Visions Outreach, Inc.

    601 West Price St., Sylvester · 25 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (229) 777-7704

  • City of Albany, Georgia

    230 S Jackson St Ste 315, Albany · 35 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (229) 483-7650

  • Nid-Hca Albany (FLETCHER)

    230 S Jackson St Ste 154, Albany · 35 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (229) 317-4745

All counseling agencies in Georgia

Help in Spanish near Moultrie

1 of the 3 agencies on this list says it serves 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 Moultrie

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

  • Housing Authority of the City of Moultrie Public housing (229) 985-4162

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

Cities

Nearby cities

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

Everything about Colquitt County Housing in Georgia

Neighboring counties

If Colquitt 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 Moultrie.

All guides
Three generations of a family gather on the porch of their home.

Questions

Housing questions about Moultrie

Short answers with the numbers for Moultrie and all of Colquitt 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 Moultrie?

The typical home value in Moultrie is $157,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Colquitt County it is $121,400.

How much does it cost to rent in Moultrie?

Typical rent in Moultrie is $790 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Colquitt County is $1,002.

What is the FHA loan limit in Moultrie?

Moultrie uses the FHA limit for all of Colquitt 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 Moultrie?

The typical homeowner in Moultrie pays $1,314 a year, according to the U.S. Census Bureau. That is 0.84% of the home’s value; in Colquitt County, the rate is 0.84%.

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

We found no HUD-approved counseling agencies with an office in Colquitt 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).