Español

Este sitio también está en español. Leer en español

City · 18,181 residents · Bryan County, Georgia

Richmond Hill , Georgia

In Richmond Hill, a typical home is worth $313,400 and typical rent is $1,781 a month. Compared with all of Bryan County, typical household income is 10% lower, typical rent is 10% higher, and the share of households that own their home is 15 points lower.

WhatsApp

  • Typical home value

    $313,400

    9% below the county

    3% above Georgia

    • Richmond Hill
    • Bryan
    • Georgia

  • Typical rent

    $1,781a month

    10% above the county

    28% above Georgia

    • Richmond Hill
    • Bryan
    • Georgia

  • Typical household income

    $92,824a year

    10% below the county

    20% above Georgia

    • Richmond Hill
    • Bryan
    • Georgia

  • Households that own their home

    63%

    15 points below the county

    3 points below Georgia

    • Richmond Hill
    • Bryan
    • Georgia

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

Market now, with Zillow data

Zillow data
Typical home value
$418,261
1.5% less than 12 months ago
Typical rent
$2,215 a month
1.2% more than 12 months ago

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

Richmond Hill is in Bryan 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 Bryan County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Richmond Hill 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: 46% less than in Richmond Hill ($313,400).

  2. Nearby, in Garden City, the typical rent is $1,282: 28% less than in Richmond Hill ($1,781).

  3. 63% of households in Richmond Hill own their home, against 78% in Bryan County.

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

The homes here

Housing in Richmond Hill

What homes there are in Richmond Hill, 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 Richmond Hill, 7 in 10 homes are single-family detached houses; in Bryan County, 8.

Year built

In Richmond Hill, half of the homes were built before 2007; in Bryan County, before 2005.

There are fewer big homes in Richmond Hill than in Bryan County: 80% have 3 bedrooms or more, against 86%.

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

$1,948 a month

Bryan County: $2,105 a month

Without a mortgage

$557 a month

Bryan County: $553 a month

Owners with a mortgage

83%

Bryan County: 76%

In Richmond Hill, 83% of owners have a mortgage, and their typical cost is $1,948 a month, against $2,105 in Bryan County. Without one it drops to $557.

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 Richmond Hill rose 49%; in Bryan County, it rose 53%.

Rents in Richmond Hill rose more slowly than in Bryan County: 17% since 2015–2019, against 30%.

The typical household income in Richmond Hill rose 30% over that time; home values changed +49% and rent +17%.

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

MeasureRichmond HillBryan 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 estimateUnreliable estimate2.4%3.4%
People per household 2.892.902.622.53
Drive alone 86%81%71%69%
Carpool 6%7%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimateUnreliable estimate1%3%
Work from home 5%9%16%15%
Other means Unreliable estimateUnreliable estimate2%2%
Typical commute Unreliable estimate30 to 39 minutes20 to 29 minutes20 to 29 minutes

Much as in Bryan County, a household in Richmond Hill has 2.89 people on average.

To get to work, 86% of workers in Richmond Hill drive alone; in Bryan County, 81%.

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 Richmond Hill?

A typical home is tight for the typical income

We start with a typical home in Richmond Hill, worth $313,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 33% of the typical household income in Richmond Hill, which is $92,824 a year. For that payment to be 28% of income, a household would need to earn about $110,392 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Richmond Hill. 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 $10,969 (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

$2,576

at 7.18% · 30 years

Loan amount
$307,724
Total interest
$442,742
Paid off in
November 2056

Includes $5,293 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,166 a month

  • Tight

    $2,166 to $2,785 a month

    Your payment · 33%

  • Hard

    more than $2,785 a month

Compared with the typical household income in Richmond Hill ($92,824 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,576
Principal & interest$2,085
Property tax$222
Home insurance$131
FHA mortgage insurance (MIP)$139

You need at least $10,969 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

Richmond Hill and Bryan County

Richmond Hill is in Bryan 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).

Richmond Hill's own numbers

Typical home value
$313,400
Typical monthly rent
$1,781
Typical yearly household income
$92,824
Households that own their home
63%
Effective property tax rate
0.85%

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

Numbers for all of Bryan 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)
+79%
Homes in a high flood-risk zone
9.8%

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 Bryan County.

Everything about Bryan County

Buying

Buying a home in Richmond Hill

A typical home in Richmond Hill is worth $313,400: 9% below the county and 3% above Georgia. With the typical household income in Richmond Hill ($92,824 a year), a typical home costs 3.4 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.

  • Richmond Hill 3.4 years
  • Bryan 3.3 years
  • Georgia 3.9 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Bryan County

According to FHFA’s house price index, home prices in Bryan County rose 121% in the 10 years through 2025.

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

Period County Georgia U.S.
Last year (2025) +2.6% +2.2% +2.9%
5 years (2020–2025) +79% +58% +47%
10 years (2015–2025) +121% +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

Richmond Hill next to Bryan 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
  • Richmond Hill $313,400
  • Bryan $343,200
  • Georgia $303,300
  • United States $332,700
Typical monthly rent
  • Richmond Hill $1,781
  • Bryan $1,618
  • Georgia $1,393
  • United States $1,413
Typical yearly household income
  • Richmond Hill $92,824
  • Bryan $103,408
  • Georgia $77,353
  • United States $80,734
See the full table
Richmond Hill next to Bryan County and Georgia
Measure Richmond Hill Bryan County Georgia U.S.
Typical home value $313,400 $343,200 $303,300 $332,700
Typical monthly rent $1,781 $1,618 $1,393 $1,413
Typical yearly household income $92,824 $103,408 $77,353 $80,734
Households that own their home 63% 78% 66% 65%
Typical yearly property tax $2,666 $2,677 $2,341 $3,119
Effective property tax rate 0.85% 0.78% 0.77% 0.94%
Renters with high rent for their income 54% 53% 52% 51%

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

For a typical $313,400 home in Richmond Hill, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Richmond Hill's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,576a month

    Least cash to close
    Down payment
    $10,969
    Cash to close
    $20,371
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $139

  • Conventional, 5% down $2,518a month

    Down payment
    $15,670
    Cash to close
    $25,072
    Rate
    7.18%
    Mortgage insurance
    PMI · $149

  • Conventional, 20% down, no PMI $2,051a month

    Down payment
    $62,680
    Cash to close
    $72,082
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,341a month

    Down payment
    $47,010
    Cash to close
    $56,412
    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 Richmond Hill and for Bryan County.

Property tax

Effective rate in Richmond Hill

0.85%of the home’s value each year

$2,666 a year for the typical owner in Richmond Hill.

  • Richmond Hill 0.85%
  • Bryan 0.78%
  • Georgia 0.77%

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

Exemptions and deadlines in Georgia

Flood risk in Bryan County

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

Homes in the high-risk zone
9.8%
1,441
Of those, with NFIP insurance
93%
County Georgia U.S.
Homes in the high-risk zone 9.8% 2% 3.5%
Of those, with NFIP insurance 93% 43% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Richmond Hill

Typical rent in Richmond Hill is $1,781 a month: 10% above the county. In Richmond Hill, 54% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Bryan 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 Bryan 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 Richmond Hill

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Richmond Hill is in ZIP code 31324.

For 2 bedrooms it is $2,100: $421 more than the fair market rent for Bryan County ($1,679).

  • 31324 $2,100$2,730

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

HUD lists 6 buildings with rents for lower incomes in Richmond Hill. These are the largest.

  • Plantation Apts 201 Casey Dr, Richmond Hill 31324 165 homes, 164 low-income · 1 bd: 58 · 2 bd: 91 · 3 bd: 16 · In service since 2019 · For families
  • Ways Station Apartments 201 Kroger Dr, Richmond Hill 31324 84 low-income homes · 1 bd: 10 · 2 bd: 74 · In service since 2019
  • Plantation Apartments IV 201 Casey Dr, Richmond Hill 31324 48 low-income homes · 1 bd: 24 · 2 bd: 24 · In service since 2013
  • Ashton of Richmond Hill 505 Harris Trail Rd, Richmond Hill 31324 233 homes · In service since 1995
  • Ashton of Richmond Hill Phase I 505 Harris Trail Rd, Richmond Hill 31324 232 homes · In service since 1995

See all 9 buildings in Bryan County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Richmond Hill

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

A man smiles on a bench outside his apartment building.

HUD counseling is free or low-cost

Assistance programs in Richmond Hill

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

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

  • Jcvision and Associates, Inc

    135 E Ml King Jr Dr, Hinesville · 17 miles away · Spanish

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

  • Credit.org - Savannah, GA Branch

    100 Bull St, Savannah · 18 miles away · Spanish

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

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

    515 Denmark Street Suite 700, Statesboro · 47 miles away

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

All counseling agencies in Georgia

Help in Spanish near Richmond Hill

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 Richmond Hill

HUD lists no housing authority with an office in Bryan County. One in a neighboring county or the state’s may serve the area.

All housing agencies in Georgia Source: HUD

Cities

Nearby cities

The cities closest to Richmond Hill, with the typical home value.

Everything about Bryan County Housing in Georgia

Neighboring counties

If Bryan 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 Richmond Hill.

All guides
A mother smiles as she carries her young daughter on her shoulders (black and white).

Questions

Housing questions about Richmond Hill

Short answers with the numbers for Richmond Hill and all of Bryan 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 Richmond Hill?

The typical home value in Richmond Hill is $313,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Bryan County it is $343,200.

How much does it cost to rent in Richmond Hill?

Typical rent in Richmond Hill is $1,781 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Bryan County is $1,679.

What is the FHA loan limit in Richmond Hill?

Richmond Hill uses the FHA limit for all of Bryan 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 Richmond Hill?

The typical homeowner in Richmond Hill pays $2,666 a year, according to the U.S. Census Bureau. That is 0.85% of the home’s value; in Bryan County, the rate is 0.78%.

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

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