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City · 18,009 residents · Cobb County, Georgia

Powder Springs , Georgia

In Powder Springs, a typical home is worth $332,900 and typical rent is $1,583 a month. Compared with all of Cobb County, the typical home value is 18% lower, typical rent is 8% lower, and the share of households that own their home is 15 points higher.

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  • Typical home value

    $332,900

    18% below the county

    10% above Georgia

    • Powder Springs
    • Cobb
    • Georgia

  • Typical rent

    $1,583a month

    8% below the county

    14% above Georgia

    • Powder Springs
    • Cobb
    • Georgia

  • Typical household income

    $105,070a year

    2% above the county

    36% above Georgia

    • Powder Springs
    • Cobb
    • Georgia

  • Households that own their home

    82%

    15 points above the county

    17 points above Georgia

    • Powder Springs
    • Cobb
    • Georgia

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

Market now, with Zillow data

Zillow data
Typical home value
$364,257
1.9% less than 12 months ago
Typical rent
$2,113 a month
4.5% more than 12 months ago

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

Powder Springs is in Cobb 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 Cobb County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Powder Springs apart

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

  1. Nearby, in Fair Oaks, the typical home value is $199,600: 40% less than in Powder Springs ($332,900).

  2. 82% of households in Powder Springs own their home, against 67% in Cobb County.

  3. Nearby, in Fair Oaks, the typical rent is $1,314: 17% less than in Powder Springs ($1,583).

  4. The typical home in Powder Springs is worth $332,900, 18% less than in Cobb County as a whole ($407,200).

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

The homes here

Housing in Powder Springs

What homes there are in Powder Springs, 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 rules in Powder Springs: 85% of homes, more than in Cobb County (65%).

Year built

Here half of the homes date from 1996 or later; in Cobb County, from 1990 or later.

There is more room for a big family here: 85% of homes have 3 bedrooms or more, against 71% in Cobb 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
Monthly rent with utilities

With a mortgage

$1,722 a month

Cobb County: $2,084 a month

Without a mortgage

$604 a month

Cobb County: $589 a month

Owners with a mortgage

79%

Cobb County: 71%

Owning costs less in Powder Springs: with a mortgage, the typical cost is $1,722 a month; in Cobb County, $2,084. Without one, $604.

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 Powder Springs gained value faster than in Cobb County: 99% against 60%.

Since 2015–2019, the typical rent in Powder Springs rose 27%, less than in Cobb County (44%).

The typical household income in Powder Springs rose 51% over that time; home values changed +99% and rent +27%.

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

MeasurePowder SpringsCobb CountyGeorgiaUnited States
Rental vacancy Unreliable estimate5.3%6.8%5.5%
Homeowner vacancy Unreliable estimate0.8%1.1%0.9%
More than one person per room Unreliable estimate2.0%2.4%3.4%
People per household 2.742.592.622.53
Drive alone 70%65%71%69%
Carpool 4%8%9%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate1%1%3%
Work from home 23%24%16%15%
Other means Unreliable estimate2%2%2%
Typical commute 30 to 39 minutesUnreliable estimate20 to 29 minutes20 to 29 minutes

More people live in each home here: 2.74 on average, against 2.59 in Cobb County.

In Powder Springs, 70% of workers drive alone to work; in Cobb County, 65%.

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 Powder Springs?

A typical home is tight for the typical income

We start with a typical home in Powder Springs, worth $332,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 31% of the typical household income in Powder Springs, which is $105,070 a year. For that payment to be 28% of income, a household would need to earn about $115,953 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Powder Springs. 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 $11,652 (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

$2,706

at 7.18% · 30 years

Loan amount
$326,870
Total interest
$470,289
Paid off in
November 2056

Includes $5,622 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,452 a month

  • Tight

    $2,452 to $3,152 a month

    Your payment · 31%

  • Hard

    more than $3,152 a month

Compared with the typical household income in Powder Springs ($105,070 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,706
Principal & interest$2,214
Property tax$205
Home insurance$139
FHA mortgage insurance (MIP)$147

You need at least $11,652 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

Powder Springs and Cobb County

Powder Springs is in Cobb 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).

Powder Springs's own numbers

Typical home value
$332,900
Typical monthly rent
$1,583
Typical yearly household income
$105,070
Households that own their home
82%
Effective property tax rate
0.74%

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

Numbers for all of Cobb 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)
+61%
Homes in a high flood-risk zone
0.6%

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 Cobb County.

Everything about Cobb County

Buying

Buying a home in Powder Springs

A typical home in Powder Springs is worth $332,900: 18% below the county and 10% above Georgia. With the typical household income in Powder Springs ($105,070 a year), a typical home costs 3.2 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.

  • Powder Springs 3.2 years
  • Cobb 4.0 years
  • Georgia 3.9 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Cobb County

According to FHFA’s house price index, home prices in Cobb County rose 127% in the 10 years through 2025.

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

Period County Georgia U.S.
Last year (2025) +2.1% +2.2% +2.9%
5 years (2020–2025) +61% +58% +47%
10 years (2015–2025) +127% +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

Powder Springs next to Cobb 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
  • Powder Springs $332,900
  • Cobb $407,200
  • Georgia $303,300
  • United States $332,700
Typical monthly rent
  • Powder Springs $1,583
  • Cobb $1,730
  • Georgia $1,393
  • United States $1,413
Typical yearly household income
  • Powder Springs $105,070
  • Cobb $102,738
  • Georgia $77,353
  • United States $80,734
See the full table
Powder Springs next to Cobb County and Georgia
Measure Powder Springs Cobb County Georgia U.S.
Typical home value $332,900 $407,200 $303,300 $332,700
Typical monthly rent $1,583 $1,730 $1,393 $1,413
Typical yearly household income $105,070 $102,738 $77,353 $80,734
Households that own their home 82% 67% 66% 65%
Typical yearly property tax $2,462 $2,720 $2,341 $3,119
Effective property tax rate 0.74% 0.67% 0.77% 0.94%
Renters with high rent for their income 56% 50% 52% 51%

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

For a typical $332,900 home in Powder Springs, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Powder Springs's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,706a month

    Least cash to close
    Down payment
    $11,652
    Cash to close
    $21,639
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $147

  • Conventional, 5% down $2,645a month

    Down payment
    $16,645
    Cash to close
    $26,632
    Rate
    7.18%
    Mortgage insurance
    PMI · $158

  • Conventional, 20% down, no PMI $2,148a month

    Down payment
    $66,580
    Cash to close
    $76,567
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,456a month

    Down payment
    $49,935
    Cash to close
    $59,922
    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 Powder Springs and for Cobb County.

Property tax

Effective rate in Powder Springs

0.74%of the home’s value each year

$2,462 a year for the typical owner in Powder Springs.

  • Powder Springs 0.74%
  • Cobb 0.67%
  • Georgia 0.77%

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

Exemptions and deadlines in Georgia

Flood risk in Cobb County

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

Homes in the high-risk zone
0.6%
1,348
Of those, with NFIP insurance
85%
County Georgia U.S.
Homes in the high-risk zone 0.6% 2% 3.5%
Of those, with NFIP insurance 85% 43% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Powder Springs

Typical rent in Powder Springs is $1,583 a month: 8% below the county. In Powder Springs, 56% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Cobb 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 Cobb 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 Powder Springs

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Powder Springs is in ZIP code 30127.

For 2 bedrooms it is $2,000: $238 more than the fair market rent for Cobb County ($1,762).

  • 30127 $2,000$2,380

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

HUD lists 3 buildings with rents for lower incomes in Powder Springs. These are the largest.

  • The Lewis Road House 4715 Lewis Rd, Powder Springs 30127 4 low-income homes · For people with disabilities (770) 427-8401
  • Abbington Trail 3470 Florence Rd, Powder Springs 30127 60 homes
  • Abbington Trail 3500 Trillium Dirve, Powder Springs 30127 60 homes · In service since 2016

See all 80 buildings in Cobb County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Powder Springs

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 Cobb County; none 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 Powder Springs

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

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

  • National Faith Homebuyers, Atlanta Branch

    2470 Windy Hill Rd SE, Marietta · 12 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    (678) 553-3770

  • Hope Through Divine Intervention

    385 Holly St NW Ofc, Atlanta · 16 miles away

    • Budget and financial counseling
    • Homelessness services
    • and 1 more
    (404) 748-4375

  • Operation Hope-Jefferson ST- Atlanta Ga

    970 Jefferson St NW, Atlanta · 16 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 5 more
    (470) 240-1693

Every agency in Cobb County All counseling agencies in Georgia

Help in Spanish near Powder Springs

None 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 Powder Springs

In HUD’s record, no housing authority with an office in Cobb County is named for Powder Springs or Cobb County.

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

Cities

Other cities in Cobb County

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

Everything about Cobb County Housing in Georgia

Nearby cities

The cities closest to Powder Springs, with the typical home value.

Neighboring counties

If Cobb 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 Powder Springs.

All guides
A father holds his baby and his young son by a white picket fence.

Questions

Housing questions about Powder Springs

Short answers with the numbers for Powder Springs and all of Cobb 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 Powder Springs?

The typical home value in Powder Springs is $332,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Cobb County it is $407,200.

How much does it cost to rent in Powder Springs?

Typical rent in Powder Springs is $1,583 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Cobb County is $1,762.

What is the FHA loan limit in Powder Springs?

Powder Springs uses the FHA limit for all of Cobb 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 Powder Springs?

The typical homeowner in Powder Springs pays $2,462 a year, according to the U.S. Census Bureau. That is 0.74% of the home’s value; in Cobb County, the rate is 0.67%.

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

There is 1 HUD-approved counseling agency with an office in Cobb County. 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).