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City · 5,589 residents · Coweta County, Georgia

Senoia , Georgia

In Senoia, a typical home is worth $440,800. Compared with all of Coweta County, typical household income is 31% higher, the typical home value is 23% higher, and the share of households that own their home is 20 points higher.

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  • Typical home value

    $440,800

    23% above the county

    45% above Georgia

    • Senoia
    • Coweta
    • Georgia

  • Typical household income

    $124,964a year

    31% above the county

    62% above Georgia

    • Senoia
    • Coweta
    • Georgia

  • Households that own their home

    98%

    20 points above the county

    33 points above Georgia

    • Senoia
    • Coweta
    • Georgia

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

Market now, with Zillow data

Zillow data
Typical home value
$517,542
1.2% more than 12 months ago

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

Senoia is in Coweta 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 Coweta County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Senoia apart

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

  1. Senoia has the highest homeownership rate of the 165 cities in Georgia with more than 5,000 people: 98%.

  2. Nearby, in Hampton, the typical home value is $283,700: 36% less than in Senoia ($440,800).

  3. The typical household income in Senoia is $124,964, 31% more than in Coweta County as a whole ($95,548).

  4. The typical home in Senoia is worth $440,800, 23% more than in Coweta County as a whole ($357,500).

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

The homes here

Housing in Senoia

What homes there are in Senoia, 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 houses, standing on their own, make up 100% of homes here, against 82% in Coweta County.

Year built

Homes in Senoia are newer: the typical year built is 2005; in Coweta County, 1999.

Homes in Senoia are bigger: 100% have 3 bedrooms or more; in Coweta County, 82%.

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

$2,174 a month

Coweta County: $1,867 a month

Without a mortgage

$871 a month

Coweta County: $601 a month

Owners with a mortgage

81%

Coweta County: 68%

The typical cost for an owner with a mortgage in Senoia is $2,174 a month, more than in Coweta County ($1,867); without one, $871.

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 Senoia rose 75%; in Coweta County, it rose 69%.

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

MeasureSenoiaCoweta CountyGeorgiaUnited States
Rental vacancy Unreliable estimateUnreliable estimate6.8%5.5%
Homeowner vacancy Unreliable estimate0.7%1.1%0.9%
More than one person per room Unreliable estimate1.3%2.4%3.4%
People per household 2.782.702.622.53
Drive alone 77%76%71%69%
Carpool Unreliable estimate7%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate1%1%3%
Work from home 17%14%16%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Much as in Coweta County, a household in Senoia has 2.78 people on average.

To get to work, 77% of workers in Senoia drive alone; in Coweta County, 76%.

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 Senoia?

A typical home is tight for the typical income

We start with a typical home in Senoia, worth $440,800, 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 Senoia, which is $124,964 a year. For that payment to be 28% of income, a household would need to earn about $155,425 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Senoia. 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 $15,428 (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

$3,627

at 7.18% · 30 years

Loan amount
$432,816
Total interest
$622,721
Paid off in
November 2056

Includes $7,444 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,916 a month

  • Tight

    $2,916 to $3,749 a month

    Your payment · 35%

  • Hard

    more than $3,749 a month

Compared with the typical household income in Senoia ($124,964 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,627
Principal & interest$2,932
Property tax$316
Home insurance$184
FHA mortgage insurance (MIP)$195

You need at least $15,428 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

Senoia and Coweta County

Senoia is in Coweta 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).

Senoia's own numbers

Typical home value
$440,800
Typical yearly household income
$124,964
Households that own their home
98%
Effective property tax rate
0.86%

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

Numbers for all of Coweta 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
0.3%

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 Coweta County.

Everything about Coweta County

Buying

Buying a home in Senoia

A typical home in Senoia is worth $440,800: 23% above the county and 45% above Georgia. With the typical household income in Senoia ($124,964 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.

  • Senoia 3.5 years
  • Coweta 3.7 years
  • Georgia 3.9 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Coweta County

According to FHFA’s house price index, home prices in Coweta County rose 114% in the 10 years through 2025.

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

Period County Georgia U.S.
Last year (2025) +3.6% +2.2% +2.9%
5 years (2020–2025) +61% +58% +47%
10 years (2015–2025) +114% +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

Senoia next to Coweta 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
  • Senoia $440,800
  • Coweta $357,500
  • Georgia $303,300
  • United States $332,700
Typical yearly household income
  • Senoia $124,964
  • Coweta $95,548
  • Georgia $77,353
  • United States $80,734
See the full table
Senoia next to Coweta County and Georgia
Measure Senoia Coweta County Georgia U.S.
Typical home value $440,800 $357,500 $303,300 $332,700
Typical yearly household income $124,964 $95,548 $77,353 $80,734
Households that own their home 98% 78% 66% 65%
Typical yearly property tax $3,779 $2,624 $2,341 $3,119
Effective property tax rate 0.86% 0.73% 0.77% 0.94%

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

For a typical $440,800 home in Senoia, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Senoia's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,627a month

    Least cash to close
    Down payment
    $15,428
    Cash to close
    $28,652
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $195

  • Conventional, 5% down $3,546a month

    Down payment
    $22,040
    Cash to close
    $35,264
    Rate
    7.18%
    Mortgage insurance
    PMI · $209

  • Conventional, 20% down, no PMI $2,888a month

    Down payment
    $88,160
    Cash to close
    $101,384
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,296a month

    Down payment
    $66,120
    Cash to close
    $79,344
    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 Senoia and for Coweta County.

Property tax

Effective rate in Senoia

0.86%of the home’s value each year

$3,779 a year for the typical owner in Senoia.

  • Senoia 0.86%
  • Coweta 0.73%
  • Georgia 0.77%

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

Exemptions and deadlines in Georgia

Flood risk in Coweta County

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

Homes in the high-risk zone
0.3%
146
Of those, with NFIP insurance
28%
County Georgia U.S.
Homes in the high-risk zone 0.3% 2% 3.5%
Of those, with NFIP insurance 28% 43% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Senoia

The Census Bureau publishes no typical rent for Senoia. Below are the fair market rents for Coweta County.

HUD publishes a fair market rent for all of Coweta 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 Coweta 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 Senoia

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Senoia is in ZIP code 30276.

For 2 bedrooms it is $1,420: $342 less than the fair market rent for Coweta County ($1,762).

  • 30276 $1,420$1,700

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

HUD lists one building with rents for lower incomes in Senoia.

  • Project Unnamed 320 Seavy St, Senoia 30276 31 homes, 30 low-income · Run by Housing Authority of the City of Senoia · Average payment: $421 a month · Average wait: 67 months · Homes at several sites (770) 599-6442

See all 19 buildings in Coweta County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Senoia

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

A pregnant woman reads paperwork on the sofa while the grandmother plays with the girl on the floor.

HUD counseling is free or low-cost

Assistance programs in Senoia

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

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

  • Veterans Center

    320 Lanier Ave W, Fayetteville · 11 miles away

    Also serves in Creole, French, and other languages.

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 9 more
    (678) 792-8387

  • Nid-Hca Georgia

    4788 Jonesboro Rd, Bldg B, Ste1, Union City · 18 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 10 more
    (678) 735-6550

  • Nid-Hca Atlanta Metro Regional Office

    21 Highway 138 SW, Riverdale · 19 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 9 more
    (770) 472-3756

All counseling agencies in Georgia

Help in Spanish near Senoia

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 Senoia

HUD’s record names them for Senoia or Coweta County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Housing Authority of the City of Senoia Public housing (770) 599-6442

4 other authorities have an office in Coweta County: see the list Source: HUD

Cities

Other cities in Coweta County

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

Everything about Coweta County Housing in Georgia

Nearby cities

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

Neighboring counties

If Coweta 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 Senoia.

All guides
A smiling girl holds up a small mushroom she found on a forest outing.

Questions

Housing questions about Senoia

Short answers with the numbers for Senoia and all of Coweta 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 Senoia?

The typical home value in Senoia is $440,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Coweta County it is $357,500.

What is the FHA loan limit in Senoia?

Senoia uses the FHA limit for all of Coweta 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 Senoia?

The typical homeowner in Senoia pays $3,779 a year, according to the U.S. Census Bureau. That is 0.86% of the home’s value; in Coweta County, the rate is 0.73%.

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

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