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City · 18,442 residents · DeKalb County, Georgia

North Decatur , Georgia

In North Decatur, a typical home is worth $474,600 and typical rent is $1,913 a month. Compared with all of DeKalb County, typical household income is 37% higher and the typical home value is 33% higher.

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  • Typical home value

    $474,600

    33% above the county

    56% above Georgia

    • North Decatur
    • DeKalb
    • Georgia

  • Typical rent

    $1,913a month

    13% above the county

    37% above Georgia

    • North Decatur
    • DeKalb
    • Georgia

  • Typical household income

    $110,871a year

    37% above the county

    43% above Georgia

    • North Decatur
    • DeKalb
    • Georgia

  • Households that own their home

    55%

    4 points below the county

    11 points below Georgia

    • North Decatur
    • DeKalb
    • Georgia

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

North Decatur is in DeKalb 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 DeKalb County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets North Decatur apart

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

  1. Nearby, in Clarkston, the typical home value is $302,600: 36% less than in North Decatur ($474,600).

  2. The typical household income in North Decatur is $110,871, 37% more than in DeKalb County as a whole ($80,644).

  3. The typical home in North Decatur is worth $474,600, 33% more than in DeKalb County as a whole ($357,800).

  4. Nearby, in Clarkston, the typical rent is $1,422: 26% less than in North Decatur ($1,913).

  5. North Decatur has the 10th highest typical rent of the 162 cities in Georgia with more than 5,000 people ($1,913).

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

The homes here

Housing in North Decatur

What homes there are in North Decatur, 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

No kind of home is the majority in North Decatur; the largest group, detached houses, adds up to 45%, less than in DeKalb County (56%).

Year built

In North Decatur, half of the homes were built before 1977; in DeKalb County, before 1984.

Homes in North Decatur are smaller: 48% have 3 bedrooms or more; in DeKalb County, 60%.

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

$2,507 a month

DeKalb County: $1,979 a month

Without a mortgage

$833 a month

DeKalb County: $715 a month

Owners with a mortgage

65%

DeKalb County: 70%

The typical cost for an owner with a mortgage in North Decatur is $2,507 a month, more than in DeKalb County ($1,979); without one, $833.

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 North Decatur rose 60%; in DeKalb County, it rose 66%.

Since 2015–2019, the typical rent in North Decatur rose 59%, more than in DeKalb County (45%).

The typical household income in North Decatur rose 40%: less than home values (+60%) and rent (+59%).

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

MeasureNorth DecaturDeKalb CountyGeorgiaUnited States
Rental vacancy 12.7%10.9%6.8%5.5%
Homeowner vacancy Unreliable estimate1.6%1.1%0.9%
More than one person per room Unreliable estimate2.9%2.4%3.4%
People per household 2.192.632.622.53
Drive alone 60%61%71%69%
Carpool 8%9%9%9%
Public transit 4%4%1%3%
Walk or bike Unreliable estimate2%1%3%
Work from home 25%23%16%15%
Other means Unreliable estimate2%2%2%
Typical commute 20 to 29 minutesUnreliable estimate20 to 29 minutes20 to 29 minutes

There is more rental housing open in North Decatur: 12.7% is empty and offered for rent, against 10.9% in DeKalb County.

On average, a household in North Decatur has 2.19 people, fewer than in DeKalb County (2.63).

The car rules in North Decatur: 60% of workers drive to work alone, and the typical trip takes 20 to 29 minutes.

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 North Decatur?

A typical home costs more than the typical income allows

We start with a typical home in North Decatur, worth $474,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 43% of the typical household income in North Decatur, which is $110,871 a year. For that payment to be 28% of income, a household would need to earn about $169,716 a year.

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

Your numbers

Local data
$

Starts at the typical home value in North Decatur. 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 $16,611 (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

$3,960

at 7.18% · 30 years

Loan amount
$466,004
Total interest
$670,470
Paid off in
November 2056

Includes $8,015 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,587 a month

  • Tight

    $2,587 to $3,326 a month

  • Hard

    more than $3,326 a month

    Your payment · 43%

Compared with the typical household income in North Decatur ($110,871 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,960
Principal & interest$3,157
Property tax$396
Home insurance$198
FHA mortgage insurance (MIP)$210

You need at least $16,611 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

North Decatur and DeKalb County

North Decatur is in DeKalb 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).

North Decatur's own numbers

Typical home value
$474,600
Typical monthly rent
$1,913
Typical yearly household income
$110,871
Households that own their home
55%
Effective property tax rate
1%

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

Numbers for all of DeKalb 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)
+41%
Homes in a high flood-risk zone
0.9%

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 DeKalb County.

Everything about DeKalb County

Buying

Buying a home in North Decatur

A typical home in North Decatur is worth $474,600: 33% above the county and 56% above Georgia. With the typical household income in North Decatur ($110,871 a year), a typical home costs 4.3 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.

  • North Decatur 4.3 years
  • DeKalb 4.4 years
  • Georgia 3.9 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in DeKalb County

According to FHFA’s house price index, home prices in DeKalb County rose 89% in the 10 years through 2025.

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

Period County Georgia U.S.
Last year (2025) +0.7% +2.2% +2.9%
5 years (2020–2025) +41% +58% +47%
10 years (2015–2025) +89% +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

North Decatur next to DeKalb 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
  • North Decatur $474,600
  • DeKalb $357,800
  • Georgia $303,300
  • United States $332,700
Typical monthly rent
  • North Decatur $1,913
  • DeKalb $1,692
  • Georgia $1,393
  • United States $1,413
Typical yearly household income
  • North Decatur $110,871
  • DeKalb $80,644
  • Georgia $77,353
  • United States $80,734
See the full table
North Decatur next to DeKalb County and Georgia
Measure North Decatur DeKalb County Georgia U.S.
Typical home value $474,600 $357,800 $303,300 $332,700
Typical monthly rent $1,913 $1,692 $1,393 $1,413
Typical yearly household income $110,871 $80,644 $77,353 $80,734
Households that own their home 55% 59% 66% 65%
Typical yearly property tax $4,763 $3,310 $2,341 $3,119
Effective property tax rate 1% 0.93% 0.77% 0.94%
Renters with high rent for their income 57% 59% 52% 51%

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

For a typical $474,600 home in North Decatur, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, North Decatur's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,960a month

    Least cash to close
    Down payment
    $16,611
    Cash to close
    $30,849
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $210

  • Conventional, 5% down $3,873a month

    Down payment
    $23,730
    Cash to close
    $37,968
    Rate
    7.18%
    Mortgage insurance
    PMI · $225

  • Conventional, 20% down, no PMI $3,165a month

    Down payment
    $94,920
    Cash to close
    $109,158
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,604a month

    Down payment
    $71,190
    Cash to close
    $85,428
    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 North Decatur and for DeKalb County.

Property tax

Effective rate in North Decatur

1%of the home’s value each year

$4,763 a year for the typical owner in North Decatur.

  • North Decatur 1%
  • DeKalb 0.93%
  • Georgia 0.77%

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

Exemptions and deadlines in Georgia

Flood risk in DeKalb County

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

Homes in the high-risk zone
0.9%
1,927
Of those, with NFIP insurance
72%
County Georgia U.S.
Homes in the high-risk zone 0.9% 2% 3.5%
Of those, with NFIP insurance 72% 43% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in North Decatur

Typical rent in North Decatur is $1,913 a month: 13% above the county. In North Decatur, 57% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of DeKalb 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 DeKalb 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 North Decatur

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). North Decatur is in ZIP code 30033.

For 2 bedrooms it is $1,930: $168 more than the fair market rent for DeKalb County ($1,762).

  • 30033 $1,930$2,300

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for North Decatur 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?

Free help

Help to buy or rent in North Decatur

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 are 8 HUD-approved agencies with an office in DeKalb County; 3 say they serve in Spanish.

A pregnant woman reads paperwork on the sofa while the grandmother plays with the girl on the floor.

HUD counseling is free or low-cost

Assistance programs in North Decatur

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

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

  • Atlanta Legal Aid Society, Inc.

    246 Sycamore St, Decatur · 2 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 2 more
    (770) 817-7538

  • Georgia Housing and Finance Authority

    60 Executive Park South, NE, Atlanta · 3 miles away · Spanish

    Also serves in Mandarin Chinese.

    (404) 492-1095

  • Help the People Program Housing Counseling Agency

    3567 Covington Hwy, Decatur · 4 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 5 more
    (404) 688-7766

Every agency in DeKalb County All counseling agencies in Georgia

Help in Spanish near North Decatur

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 North Decatur

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

  • Housing Authority of the County of Dekalb, GA Public housing and Section 8 vouchers (404) 270-2500

3 other authorities have an office in DeKalb County: see the list Source: HUD

Cities

Other cities in DeKalb County

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

Everything about DeKalb County Housing in Georgia
See 5 more cities in DeKalb County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to North Decatur, with the typical home value.

Neighboring counties

If DeKalb 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 North Decatur.

All guides
A mother and her daughters smile together on a mountain trail with a snowy peak behind them.

Questions

Housing questions about North Decatur

Short answers with the numbers for North Decatur and all of DeKalb 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 North Decatur?

The typical home value in North Decatur is $474,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in DeKalb County it is $357,800.

How much does it cost to rent in North Decatur?

Typical rent in North Decatur is $1,913 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in DeKalb County is $1,762.

What is the FHA loan limit in North Decatur?

North Decatur uses the FHA limit for all of DeKalb 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 North Decatur?

The typical homeowner in North Decatur pays $4,763 a year, according to the U.S. Census Bureau. That is 1% of the home’s value; in DeKalb County, the rate is 0.93%.

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

There are 8 HUD-approved counseling agencies with an office in DeKalb County. 3 say they serve in Spanish. 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).