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City · 28,466 residents · Chatham County, Georgia

Pooler , Georgia

In Pooler, a typical home is worth $322,400 and typical rent is $1,671 a month. Compared with all of Chatham County, typical household income is 29% higher and typical rent is 14% higher.

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  • Typical home value

    $322,400

    7% above the county

    6% above Georgia

    • Pooler
    • Chatham
    • Georgia

  • Typical rent

    $1,671a month

    14% above the county

    20% above Georgia

    • Pooler
    • Chatham
    • Georgia

  • Typical household income

    $91,766a year

    29% above the county

    19% above Georgia

    • Pooler
    • Chatham
    • Georgia

  • Households that own their home

    60%

    4 points above the county

    5 points below Georgia

    • Pooler
    • Chatham
    • Georgia

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

Market now, with Zillow data

Zillow data
Typical home value
$339,397
4.5% less than 12 months ago
Typical rent
$1,827 a month
1.1% less than 12 months ago

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

Pooler is in Chatham 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 Chatham County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Pooler apart

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

  1. Nearby, in Garden City, the typical home value is $169,400: 47% less than in Pooler ($322,400).

  2. Nearby, in Rincon, the typical rent is $1,245: 25% less than in Pooler ($1,671).

  3. The typical household income in Pooler is $91,766, 29% more than in Chatham County as a whole ($71,097).

  4. According to Zillow, in the 12 months to September 2026 the typical home value in Pooler fell 4.5%; in Georgia, it fell 0.6%.

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

The homes here

Housing in Pooler

What homes there are in Pooler, 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

In Pooler, 6 in 10 homes are single-family detached houses, about the same as in Chatham County.

Year built

The typical home in Pooler was built in 2007, 21 years after the typical one in Chatham County.

In Pooler, 69% of homes have 3 bedrooms or more, more than in Chatham County (63%).

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

$1,845 a month

Chatham County: $1,758 a month

Without a mortgage

$632 a month

Chatham County: $628 a month

Owners with a mortgage

67%

Chatham County: 64%

Owning costs about the same in Pooler as in Chatham County: with a mortgage, $1,845 a month; without one, $632.

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

Homes in Pooler gained value more slowly than in Chatham County: 50% since 2015–2019, against 56%.

Rents in Pooler rose at about the same pace as in Chatham County: 34% since 2015–2019, against 36%.

Here income did not keep up with housing: it rose 16%, while home values changed +50% and rent +34%.

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

MeasurePoolerChatham CountyGeorgiaUnited States
Rental vacancy Unreliable estimate6.2%6.8%5.5%
Homeowner vacancy Unreliable estimate1.8%1.1%0.9%
More than one person per room Unreliable estimate1.7%2.4%3.4%
People per household 2.432.402.622.53
Drive alone 74%73%71%69%
Carpool 7%10%9%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate3%1%3%
Work from home 15%12%16%15%
Other means 3%2%2%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

By size, households in Pooler look like those in Chatham County: 2.43 people on average.

Many people here do not commute at all: 15% work from home; in Chatham County, 12%.

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 Pooler?

A typical home is tight for the typical income

We start with a typical home in Pooler, worth $322,400, 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 Pooler, which is $91,766 a year. For that payment to be 28% of income, a household would need to earn about $114,023 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Pooler. 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 $11,284 (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

$2,661

at 7.18% · 30 years

Loan amount
$316,561
Total interest
$455,456
Paid off in
November 2056

Includes $5,445 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,141 a month

  • Tight

    $2,141 to $2,753 a month

    Your payment · 35%

  • Hard

    more than $2,753 a month

Compared with the typical household income in Pooler ($91,766 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,661
Principal & interest$2,144
Property tax$239
Home insurance$134
FHA mortgage insurance (MIP)$143

You need at least $11,284 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

Pooler and Chatham County

Pooler is in Chatham 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).

Pooler's own numbers

Typical home value
$322,400
Typical monthly rent
$1,671
Typical yearly household income
$91,766
Households that own their home
60%
Effective property tax rate
0.89%

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

Numbers for all of Chatham County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,679
Price change over 5 years (FHFA)
+71%
Homes in a high flood-risk zone
14%

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 Chatham County.

Everything about Chatham County

Buying

Buying a home in Pooler

A typical home in Pooler is worth $322,400: 7% above the county and 6% above Georgia. With the typical household income in Pooler ($91,766 a year), a typical home costs 3.5 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.

  • Pooler 3.5 years
  • Chatham 4.3 years
  • Georgia 3.9 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Chatham County

According to FHFA’s house price index, home prices in Chatham County rose 120% in the 10 years through 2025.

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

Period County Georgia U.S.
Last year (2025) +2.3% +2.2% +2.9%
5 years (2020–2025) +71% +58% +47%
10 years (2015–2025) +120% +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

Pooler next to Chatham 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
  • Pooler $322,400
  • Chatham $302,700
  • Georgia $303,300
  • United States $332,700
Typical monthly rent
  • Pooler $1,671
  • Chatham $1,471
  • Georgia $1,393
  • United States $1,413
Typical yearly household income
  • Pooler $91,766
  • Chatham $71,097
  • Georgia $77,353
  • United States $80,734
See the full table
Pooler next to Chatham County and Georgia
Measure Pooler Chatham County Georgia U.S.
Typical home value $322,400 $302,700 $303,300 $332,700
Typical monthly rent $1,671 $1,471 $1,393 $1,413
Typical yearly household income $91,766 $71,097 $77,353 $80,734
Households that own their home 60% 57% 66% 65%
Typical yearly property tax $2,866 $2,541 $2,341 $3,119
Effective property tax rate 0.89% 0.84% 0.77% 0.94%
Renters with high rent for their income 54% 54% 52% 51%

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

For a typical $322,400 home in Pooler, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Pooler's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,661a month

    Least cash to close
    Down payment
    $11,284
    Cash to close
    $20,956
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $143

  • Conventional, 5% down $2,601a month

    Down payment
    $16,120
    Cash to close
    $25,792
    Rate
    7.18%
    Mortgage insurance
    PMI · $153

  • Conventional, 20% down, no PMI $2,121a month

    Down payment
    $64,480
    Cash to close
    $74,152
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,419a month

    Down payment
    $48,360
    Cash to close
    $58,032
    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 Pooler and for Chatham County.

Property tax

Effective rate in Pooler

0.89%of the home’s value each year

$2,866 a year for the typical owner in Pooler.

  • Pooler 0.89%
  • Chatham 0.84%
  • Georgia 0.77%

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

Exemptions and deadlines in Georgia

Flood risk in Chatham County

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

Homes in the high-risk zone
14%
12,957
Of those, with NFIP insurance
81%
County Georgia U.S.
Homes in the high-risk zone 14% 2% 3.5%
Of those, with NFIP insurance 81% 43% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Pooler

Typical rent in Pooler is $1,671 a month: 14% above the county. In Pooler, 54% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Chatham County, by unit size. To pay the 2-bedroom one ($1,679 a month) without spending more than 30% of your income, you would need to earn $32.29 an hour working full time.

HUD fair market rent for all of Chatham 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 $1,481 $28.48 $59,240
1 bedroom $1,542 $29.65 $61,680
2 bedrooms $1,679 $32.29 $67,160
3 bedrooms $2,185 $42.02 $87,400
4 bedrooms $2,484 $47.77 $99,360

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 Pooler

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Pooler is in ZIP code 31322.

For 2 bedrooms it is $1,970: $291 more than the fair market rent for Chatham County ($1,679).

  • 31322 $1,970$2,560

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

HUD lists 4 buildings with rents for lower incomes in Pooler. These are the largest.

  • Pinewood Village II Apartments 755 S Rogers St, Pooler 31322 60 low-income homes · 1 bd: 4 · 2 bd: 56 · In service since 2018
  • Sheppard Station Apartments Brighton Woods Drive, Pooler 31322 65 homes, 52 low-income · In service since 2009
  • Pinewood Village 755 S Rogers St, Pooler 31322 64 homes · In service since 2014
  • Harmony Greene 201 Harmony Blvd, Pooler 31322 50 homes · 2 bd: 10 · 3 bd: 30 · 4 bd: 10 · In service since 2012

See all 82 buildings in Chatham County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Pooler

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 Chatham County; 1 says it serves in Spanish.

A man smiles on a bench outside his apartment building.

HUD counseling is free or low-cost

Assistance programs in Pooler

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

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

  • Credit.org - Savannah, GA Branch

    100 Bull St, Savannah · 10 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and credit workshops
    • and 4 more
    (800) 431-8157

  • Jcvision and Associates, Inc

    135 E Ml King Jr Dr, Hinesville · 27 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 9 more
    (912) 877-4243

  • CCCS of the Savannah Area, Inc. - Statesboro Branch

    515 Denmark Street Suite 700, Statesboro · 40 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (912) 691-2227

Every agency in Chatham County All counseling agencies in Georgia

Help in Spanish near Pooler

2 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 Pooler

In HUD’s record, no housing authority with an office in Chatham County is named for Pooler or Chatham County.

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

Cities

Other cities in Chatham County

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

Everything about Chatham County Housing in Georgia

Nearby cities

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

Neighboring counties

If Chatham 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 Pooler.

All guides
A couple spread mulch under the avocado trees of their family orchard, he on the tractor and she with a shovel.

Questions

Housing questions about Pooler

Short answers with the numbers for Pooler and all of Chatham 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 Pooler?

The typical home value in Pooler is $322,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Chatham County it is $302,700.

How much does it cost to rent in Pooler?

Typical rent in Pooler is $1,671 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Chatham County is $1,679.

What is the FHA loan limit in Pooler?

Pooler uses the FHA limit for all of Chatham 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 Pooler?

The typical homeowner in Pooler pays $2,866 a year, according to the U.S. Census Bureau. That is 0.89% of the home’s value; in Chatham County, the rate is 0.84%.

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

There is 1 HUD-approved counseling agency with an office in Chatham County. 1 says it serves 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).