In Rome, a typical home is worth $234,300 and typical rent is $1,032 a month. Compared with all of Floyd County, typical household income is 17% lower, the typical home value is 8% higher, and the share of households that own their home is 14 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $181,107 to $231,263.
Typical rent
$1,278a month
▲ 1.8% more than 12 months ago
Typical rent from Zillow, June 2022 to September 2026: from $1,054 to $1,278.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Rome is in Floyd 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 Floyd County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in LaFayette, the typical home value is $144,800: 38% less than in Rome ($234,300).
2
49% of households in Rome own their home, against 64% in Floyd County.
3
Nearby, in LaFayette, the typical rent is $840: 19% less than in Rome ($1,032).
4
The typical household income in Rome is $54,435,17% less than in Floyd County as a whole ($65,565).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Rome
What homes there are in Rome, 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
Rome
Floyd County
Georgia
United States
Kind of home: Rome and its comparisons
Measure
Rome
Floyd County
Georgia
United States
Detached house
65%
73%
66%
61%
Attached house
2%
1%
4%
6%
Building of 2 to 4
13%
9%
5%
8%
Apartments (5 or more)
19%
9%
16%
19%
Mobile home
Unreliable estimate
7%
8%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house is still the most common home in Rome, but it weighs less than in Floyd County: 65% against 73%.
Year built
Before 19601960–19791980–19992000–20092010 or later
Rome
Floyd County
Georgia
United States
Year built: Rome and its comparisons
Measure
Rome
Floyd County
Georgia
United States
Before 1960
32%
25%
12%
26%
1960–1979
27%
29%
20%
24%
1980–1999
22%
26%
33%
25%
2000–2009
12%
13%
21%
14%
2010 or later
8%
8%
14%
11%
Homes in Rome are older: the typical year built is 1974; in Floyd County, 1978.
There are fewer big homes in Rome than in Floyd County: 56% have 3 bedrooms or more, against 65%.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K17%
$100K–$200K24%
$200K–$300K25%
$300K–$500K26%
$500K–$750K6%
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Rome and its comparisons
Measure
Rome
Under $100K
17%
$100K–$200K
24%
$200K–$300K
25%
$300K–$500K
26%
$500K–$750K
6%
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
About 93% of owner-occupied homes in Rome are worth less than the FHA loan limit for Floyd County ($541,287).
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $5009%
$500–$99938%
$1,000–$1,49939%
HUD fair market rent, 2 bedrooms: $1,204
$1,500–$1,99912%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Rome and its comparisons
Measure
Rome
Under $500
9%
$500–$999
38%
$1,000–$1,499
39%
$1,500–$1,999
12%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
HUD's 2-bedroom fair market rent (FMR) for Floyd County is $1,204: about 62% of rents in Rome are below it.
With a mortgage
$1,526 a month
Floyd County: $1,512 a month
Without a mortgage
$611 a month
Floyd County: $546 a month
Owners with a mortgage
49%
Floyd County: 52%
The typical cost for an owner with a mortgage in Rome is $1,526 a month, near the figure in Floyd County ($1,512).
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Rome+55%
Floyd County+65%
Georgia+72%
United States+53%
Typical rent
Rome+43%
Floyd County+33%
Georgia+39%
United States+33%
Typical household income
Rome+42%
Floyd County+36%
Georgia+32%
United States+29%
Change since 2015–2019: Rome and its comparisons
Measure
Rome
Floyd County
Georgia
United States
Typical home value
+55%
+65%
+72%
+53%
Typical rent
+43%
+33%
+39%
+33%
Typical household income
+42%
+36%
+32%
+29%
Homes in Rome gained value more slowly than in Floyd County: 55% since 2015–2019, against 65%.
Rents in Rome rose faster than in Floyd County: 43% since 2015–2019, against 33%.
To compare: typical income in Rome rose 42%; the home, +55%; the rent, +43%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Rome and its comparisons
Measure
Rome
Floyd County
Georgia
United States
Rental vacancy
6.7%
6.2%
6.8%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
1.1%
0.9%
More than one person per room
2.3%
2.8%
2.4%
3.4%
People per household
2.43
2.59
2.62
2.53
Drive alone
72%
78%
71%
69%
Carpool
14%
10%
9%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
3%
1%
3%
Work from home
9%
8%
16%
15%
Other means
2%
2%
2%
2%
Typical commute
10 to 19 minutes
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
Open rentals in Rome look like those in Floyd County: the rental vacancy rate is 6.7%.
Much as in Floyd County, 2.3% of households in Rome have more than one person per room.
Households in Rome are smaller: 2.43 people on average; in Floyd County, 2.59.
Carpooling is common in Rome: 14% of workers get to work that way, against 10% in Floyd County.
Do the math
What would you pay each month for a home in Rome?
A typical home costs more than the typical income allows
We start with a typical home in Rome, worth $234,300, 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 Rome, which is $54,435 a year. For that payment to be 28% of income, a household would need to earn about $83,701 a year.
The calculator's FHA and conventional loan limits are those of all of Floyd 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 Rome. 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 $8,201 (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
$1,953
at 7.18% · 30 years
Loan amount
$230,056
Total interest
$330,996
Paid off in
November 2056
Includes $3,957 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,270 a month
Tight
$1,270 to $1,633 a month
Hard
more than $1,633 a month
Your payment · 43%
Compared with the typical household income in Rome ($54,435 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,558
Property tax
$193
Home insurance
$98
FHA mortgage insurance (MIP)
$104
You need at least $8,201 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 $1,953; principal and interest $1,558.
The city and its county
Rome and Floyd County
Rome is in Floyd 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).
Rome
Map of Floyd County, Georgia, with Rome marked. Around it, the neighboring counties.
Rome
Floyd County
Other cities with a page
Rome's own numbers
Typical home value
$234,300
Typical monthly rent
$1,032
Typical yearly household income
$54,435
Households that own their home
49%
Effective property tax rate
0.99%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Floyd County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,204
Price change over 5 years (FHFA)
+62%
Homes in a high flood-risk zone
2.9%
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 Floyd County.
A typical home in Rome is worth $234,300: 8% above the county and 23% below Georgia. With the typical household income in Rome ($54,435 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.
Rome4.3 years
Floyd3.3 years
Georgia3.9 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Floyd County
According to FHFA’s house price index, home prices in Floyd County rose 110% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Floyd County.
Yearly change in FHFA’s price index in Floyd County, 2016 to 2025
2016: +4.4% +4.4% 2016
2017: +5.5% +5.5% 2017
2018: +6.0% +6.0% 2018
2019: +5.6% +5.6% 2019
2020: +5.2% +5.2% 2020
2021: +12.9% +12.9% 2021
2022: +23.6% +23.6% 2022
2023: +6.2% +6.2% 2023
2024: +8.6% +8.6% 2024
2025: +0.9% +0.9% 2025
Change in FHFA’s price index in Floyd County, Georgia and the United States
Period
County
Georgia
U.S.
Last year (2025)
+0.9%
+2.2%
+2.9%
5 years (2020–2025)
+62%
+58%
+47%
10 years (2015–2025)
+110%
+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
Rome next to Floyd 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
Rome$234,300
Floyd$217,900
Georgia$303,300
United States$332,700
Typical monthly rent
Rome$1,032
Floyd$1,014
Georgia$1,393
United States$1,413
Typical yearly household income
Rome$54,435
Floyd$65,565
Georgia$77,353
United States$80,734
See the full table
Rome next to Floyd County and Georgia
Measure
Rome
Floyd County
Georgia
U.S.
Typical home value
$234,300 ▲8% above the county
$217,900
$303,300
$332,700
Typical monthly rent
$1,032
$1,014
$1,393
$1,413
Typical yearly household income
$54,435 ▼17% below the county
$65,565
$77,353
$80,734
Households that own their home
49% ▼14 points below the county
64%
66%
65%
Typical yearly property tax
$2,309 ▲25% above the county
$1,847
$2,341
$3,119
Effective property tax rate
0.99% ▲0.14 points above the county
0.85%
0.77%
0.94%
Renters with high rent for their income
52% ▲4 points above the county
49%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Floyd 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 Rome
For a typical $234,300 home in Rome, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Rome's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,953a month
Least cash to close
Down payment
$8,201
Cash to close
$15,230
Rate
7.18%
Mortgage insurance
FHA MIP · $104
Conventional, 5% down$1,910a month
Down payment
$11,715
Cash to close
$18,744
Rate
7.18%
Mortgage insurance
PMI · $111
Conventional, 20% down, no PMI$1,561a month
Down payment
$46,860
Cash to close
$53,889
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,777a month
Down payment
$35,145
Cash to close
$42,174
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Rome
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,953
$8,201
$230,056
7.18%
FHA MIP · $104
$15,230
580
Conventional, 5% down
$1,910
$11,715
$222,585
7.18%
PMI · $111
$18,744
620*
Conventional, 20% down, no PMI
$1,561
$46,860
$187,440
7.18%
None
$53,889
620*
ITIN, 15% down (example)
$1,777
$35,145
$199,155
8.18%
None
$42,174
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 Rome is $1,032 a month: about the same as the county. In Rome, 52% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Floyd County, by unit size. To pay the 2-bedroom one ($1,204 a month) without spending more than 30% of your income, you would need to earn $23.15 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 Floyd County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$838
$16.12
$33,520
1 bedroom
$972
$18.69
$38,880
2 bedrooms
$1,204
$23.15
$48,160
3 bedrooms
$1,576
$30.31
$63,040
4 bedrooms
$1,582
$30.42
$63,280
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 Rome
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Rome has 2 ZIP codes with their own.
For 2 bedrooms it is $1,220 in all of them.
2 of the 2 are above the fair market rent for Floyd County ($1,204).
Fair market rent by ZIP code and size in Rome, fiscal year 2027.
30161
$850
$990
$1,220
$1,600
$1,600
30165
$850
$990
$1,220
$1,600
$1,600
ZIP code2 bd3 bd
30161 $1,220$1,600
30165 $1,220$1,600
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Rome 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)
HUD lists 27 buildings with rents for lower incomes in Rome. These are the largest.
Charles Hight Home807 Avenue B NE, Rome 30165202 low-income homes · Run by Northwest Ga Housing Authority · Average payment: $354 a month · Average wait: 7 months(706) 378-3940
John Graham Homes109 E 13th St SW, Rome 30161150 homes, 149 low-income · Run by Northwest Ga Housing Authority · Average payment: $492 a month · Average wait: 24 months(706) 378-3940
Callier Forest Apartments131 Dodd Blvd SE, Rome 30161130 low-income homes · 1 bd: 26 · 2 bd: 80 · 3 bd: 24 · In service since 2004 · For families(706) 291-2936
Three Rivers Garden22 Tamassee Ln NW, Rome 30165119 low-income homes · 1 bd: 15 · 2 bd: 60 · 3 bd: 30 · In service since 2018 · For families(706) 235-3355
Riverwood Park Apartments525 W 13th St NE, Rome 30165100 low-income homes · 2 bd: 40 · 3 bd: 40 · 4 bd: 20 · In service since 1998
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 Floyd 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 Rome or Floyd County. The ones below are statewide in Georgia: they work in Rome 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 Rome or Floyd 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 Rome and all of Floyd 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 Rome?
The typical home value in Rome is $234,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Floyd County it is $217,900.
How much does it cost to rent in Rome?
Typical rent in Rome is $1,032 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Floyd County is $1,204.
What is the FHA loan limit in Rome?
Rome uses the FHA limit for all of Floyd 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 Rome?
The typical homeowner in Rome pays $2,309 a year, according to the U.S. Census Bureau. That is 0.99% of the home’s value; in Floyd County, the rate is 0.85%.
Where can I find free help to buy or rent in Rome?
We found no HUD-approved counseling agencies with an office in Floyd County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
