In Rockmart, a typical home is worth $201,700 and typical rent is $986 a month. Compared with all of Polk County, the typical home value is 8% higher and typical rent is 7% higher.
Typical home value from Zillow, September 2021 to September 2026: from $196,601 to $254,373.
Typical rent
$1,747a month
Typical rent from Zillow, March 2026 to September 2026: from $1,706 to $1,747.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Rockmart is in Polk 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 Polk County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Cedartown, the typical home value is $147,200: 27% less than in Rockmart ($201,700).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Rockmart
What homes there are in Rockmart, 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
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Rockmart
Polk County
Georgia
United States
Kind of home: Rockmart and its comparisons
Measure
Rockmart
Polk County
Georgia
United States
Detached house
84%
79%
66%
61%
Attached house
Unreliable estimate
Unreliable estimate
4%
6%
Building of 2 to 4
Unreliable estimate
4%
5%
8%
Apartments (5 or more)
Unreliable estimate
Unreliable estimate
16%
19%
Mobile home
Unreliable estimate
9%
8%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Rockmart, 8 in 10 homes are single-family detached houses; in Polk County, 8.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Rockmart
Polk County
Georgia
United States
Year built: Rockmart and its comparisons
Measure
Rockmart
Polk County
Georgia
United States
Before 1960
53%
24%
12%
26%
1960–1979
17%
23%
20%
24%
1980–1999
Unreliable estimate
27%
33%
25%
2000–2009
Unreliable estimate
20%
21%
14%
2010 or later
Unreliable estimate
6%
14%
11%
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K41%
$200K–$300K40%
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Rockmart and its comparisons
Measure
Rockmart
Under $100K
Unreliable estimate
$100K–$200K
41%
$200K–$300K
40%
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable
$750K–$1M
Unreliable
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99951%
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Rockmart and its comparisons
Measure
Rockmart
Under $500
Unreliable
$500–$999
51%
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,584 a month
Polk County: $1,428 a month
Without a mortgage
$666 a month
Polk County: $502 a month
Owners with a mortgage
64%
Polk County: 47%
In Rockmart, 64% of owners have a mortgage, and their typical cost is $1,584 a month, against $1,428 in Polk County. Without one it drops to $666.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Rockmart+99%
Polk County+70%
Georgia+72%
United States+53%
Typical rent
Rockmart+38%
Polk County+28%
Georgia+39%
United States+33%
Typical household income
RockmartNo clear change
Polk County+30%
Georgia+32%
United States+29%
Change since 2015–2019: Rockmart and its comparisons
Measure
Rockmart
Polk County
Georgia
United States
Typical home value
+99%
+70%
+72%
+53%
Typical rent
+38%
+28%
+39%
+33%
Typical household income
No clear change
+30%
+32%
+29%
The typical home value in Rockmart rose 99% since 2015–2019, more than in Polk County (70%).
Rents in Rockmart rose faster than in Polk County: 38% since 2015–2019, against 28%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Rockmart and its comparisons
Measure
Rockmart
Polk County
Georgia
United States
Rental vacancy
Unreliable estimate
Unreliable estimate
6.8%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
1.1%
0.9%
More than one person per room
Unreliable estimate
3.4%
2.4%
3.4%
People per household
2.60
2.72
2.62
2.53
Drive alone
78%
82%
71%
69%
Carpool
Unreliable estimate
9%
9%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
Unreliable estimate
1%
3%
Work from home
Unreliable estimate
4%
16%
15%
Other means
Unreliable estimate
Unreliable estimate
2%
2%
Typical commute
Unreliable estimate
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
Much as in Polk County, a household in Rockmart has 2.60 people on average.
To get to work, 78% of workers in Rockmart drive alone; in Polk County, 82%.
Do the math
What would you pay each month for a home in Rockmart?
A typical home is tight for the typical income
We start with a typical home in Rockmart, worth $201,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 34% of the typical household income in Rockmart, which is $56,828 a year. For that payment to be 28% of income, a household would need to earn about $69,606 a year.
The calculator's FHA and conventional loan limits are those of all of Polk County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Rockmart. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $7,060 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$1,624
at 7.18% · 30 years
Loan amount
$198,046
Total interest
$284,942
Paid off in
November 2056
Includes $3,406 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,326 a month
Tight
$1,326 to $1,705 a month
Your payment · 34%
Hard
more than $1,705 a month
Compared with the typical household income in Rockmart ($56,828 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,342
Property tax
$109
Home insurance
$84
FHA mortgage insurance (MIP)
$89
You need at least $7,060 for the down payment, plus closing costs.
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.
Total monthly payment $1,624; principal and interest $1,342.
The city and its county
Rockmart and Polk County
Rockmart is in Polk 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).
Rockmart
Map of Polk County, Georgia, with Rockmart marked. Around it, the neighboring counties.
Rockmart
Polk County
Other cities with a page
Rockmart's own numbers
Typical home value
$201,700
Typical monthly rent
$986
Typical yearly household income
$56,828
Households that own their home
62%
Effective property tax rate
0.65%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Polk County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,017
Price change over 5 years (FHFA)
+69%
Homes in a high flood-risk zone
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 Polk County.
A typical home in Rockmart is worth $201,700: 8% above the county and 33% below Georgia. With the typical household income in Rockmart ($56,828 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.
Rockmart3.5 years
Polk3.2 years
Georgia3.9 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Polk County
According to FHFA’s house price index, home prices in Polk County rose 126% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Polk County.
Yearly change in FHFA’s price index in Polk County, 2016 to 2025
2016: +6.5% +6.5% 2016
2017: +6.1% +6.1% 2017
2018: +5.6% +5.6% 2018
2019: +6.1% +6.1% 2019
2020: +5.4% +5.4% 2020
2021: +16.0% +16.0% 2021
2022: +24.2% +24.2% 2022
2023: +9.3% +9.3% 2023
2024: +8.0% +8.0% 2024
2025: −0.5% −0.5% 2025
Change in FHFA’s price index in Polk County, Georgia and the United States
Period
County
Georgia
U.S.
Last year (2025)
−0.5%
+2.2%
+2.9%
5 years (2020–2025)
+69%
+58%
+47%
10 years (2015–2025)
+126%
+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
Rockmart next to Polk 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
Rockmart$201,700
Polk$187,600
Georgia$303,300
United States$332,700
Typical monthly rent
Rockmart$986
Polk$918
Georgia$1,393
United States$1,413
Typical yearly household income
Rockmart$56,828
Polk$58,515
Georgia$77,353
United States$80,734
See the full table
Rockmart next to Polk County and Georgia
Measure
Rockmart
Polk County
Georgia
U.S.
Typical home value
$201,700 ▲8% above the county
$187,600
$303,300
$332,700
Typical monthly rent
$986 ▲7% above the county
$918
$1,393
$1,413
Typical yearly household income
$56,828 ▼3% below the county
$58,515
$77,353
$80,734
Households that own their home
62% ▼4 points below the county
66%
66%
65%
Typical yearly property tax
$1,303 ▼8% below the county
$1,413
$2,341
$3,119
Effective property tax rate
0.65% ▼0.1 points below the county
0.75%
0.77%
0.94%
Renters with high rent for their income
50% ▼4 points below the county
54%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Polk 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 Rockmart
For a typical $201,700 home in Rockmart, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Rockmart's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,624a month
Least cash to close
Down payment
$7,060
Cash to close
$13,111
Rate
7.18%
Mortgage insurance
FHA MIP · $89
Conventional, 5% down$1,587a month
Down payment
$10,085
Cash to close
$16,136
Rate
7.18%
Mortgage insurance
PMI · $96
Conventional, 20% down, no PMI$1,286a month
Down payment
$40,340
Cash to close
$46,391
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,473a month
Down payment
$30,255
Cash to close
$36,306
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Rockmart
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,624
$7,060
$198,047
7.18%
FHA MIP · $89
$13,111
580
Conventional, 5% down
$1,587
$10,085
$191,615
7.18%
PMI · $96
$16,136
620*
Conventional, 20% down, no PMI
$1,286
$40,340
$161,360
7.18%
None
$46,391
620*
ITIN, 15% down (example)
$1,473
$30,255
$171,445
8.18%
None
$36,306
Set by the lender
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.
Typical rent in Rockmart is $986 a month: 7% above the county. In Rockmart, 50% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Polk County, by unit size. To pay the 2-bedroom one ($1,017 a month) without spending more than 30% of your income, you would need to earn $19.56 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Polk County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$772
$14.85
$30,880
1 bedroom
$777
$14.94
$31,080
2 bedrooms
$1,017
$19.56
$40,680
3 bedrooms
$1,296
$24.92
$51,840
4 bedrooms
$1,439
$27.67
$57,560
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 Rockmart
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Rockmart is in ZIP code 30153.
For 2 bedrooms it is $1,170: $153 more than the fair market rent for Polk County ($1,017).
Fair market rent by ZIP code and size in Rockmart, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
30153
$920
$930
$1,170
$1,460
$1,660
ZIP code2 bd3 bd
30153 $1,170$1,460
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Rockmart 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
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 Polk County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Rockmart or Polk County. The ones below are statewide in Georgia: they work in Rockmart the same as in the rest of the state.
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.
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.
No legal help resource on our list is for Rockmart or Polk County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Rockmart and all of Polk 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 Rockmart?
The typical home value in Rockmart is $201,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Polk County it is $187,600.
How much does it cost to rent in Rockmart?
Typical rent in Rockmart is $986 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Polk County is $1,017.
What is the FHA loan limit in Rockmart?
Rockmart uses the FHA limit for all of Polk 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 Rockmart?
The typical homeowner in Rockmart pays $1,303 a year, according to the U.S. Census Bureau. That is 0.65% of the home’s value; in Polk County, the rate is 0.75%.
Where can I find free help to buy or rent in Rockmart?
We found no HUD-approved counseling agencies with an office in Polk County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
