In Smyrna, a typical home is worth $449,500 and typical rent is $1,739 a month. Compared with all of Cobb County, the typical home value is 10% higher and the share of households that own their home is 8 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $388,016 to $442,294.
Typical rent
$1,663a month
▲ 3.5% more than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $1,592 to $1,663.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Smyrna 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
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: 56% less than in Smyrna ($449,500).
2
Nearby, in Fair Oaks, the typical rent is $1,314: 24% less than in Smyrna ($1,739).
3
59% of households in Smyrna own their home, against 67% in Cobb County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Smyrna
What homes there are in Smyrna, 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
Smyrna
Cobb County
Georgia
United States
Kind of home: Smyrna and its comparisons
Measure
Smyrna
Cobb County
Georgia
United States
Detached house
46%
65%
66%
61%
Attached house
18%
9%
4%
6%
Building of 2 to 4
4%
3%
5%
8%
Apartments (5 or more)
32%
22%
16%
19%
Mobile home
Unreliable estimate
1%
8%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Homes in Smyrna are varied: detached houses are the largest group, at 46%, against 65% in Cobb County.
Year built
Before 19601960–19791980–19992000–20092010 or later
Smyrna
Cobb County
Georgia
United States
Year built: Smyrna and its comparisons
Measure
Smyrna
Cobb County
Georgia
United States
Before 1960
10%
5%
12%
26%
1960–1979
18%
22%
20%
24%
1980–1999
36%
42%
33%
25%
2000–2009
21%
18%
21%
14%
2010 or later
15%
13%
14%
11%
The typical year built in Smyrna is 1990, about the same as in Cobb County (1990).
Homes in Smyrna are smaller: 57% have 3 bedrooms or more; in Cobb County, 71%.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K3%
$200K–$300K15%
$300K–$500K42%
$500K–$750K26%
$750K–$1M10%
$1M or more3%
Value of owner-occupied homes: Smyrna and its comparisons
Measure
Smyrna
Under $100K
Unreliable estimate
$100K–$200K
3%
$200K–$300K
15%
$300K–$500K
42%
$500K–$750K
26%
$750K–$1M
10%
$1M or more
3%
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49927%
$1,500–$1,99939%
$2,000–$2,49921%
$2,500–$2,9995%
$3,000 or more3%
Monthly rent with utilities: Smyrna and its comparisons
Measure
Smyrna
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
27%
$1,500–$1,999
39%
$2,000–$2,499
21%
$2,500–$2,999
5%
$3,000 or more
3%
With a mortgage
$2,438 a month
Cobb County: $2,084 a month
Without a mortgage
$564 a month
Cobb County: $589 a month
Owners with a mortgage
78%
Cobb County: 71%
Owning costs more in Smyrna: with a mortgage, the typical cost is $2,438 a month; in Cobb County, $2,084. Without one, $564.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Smyrna+58%
Cobb County+60%
Georgia+72%
United States+53%
Typical rent
Smyrna+39%
Cobb County+44%
Georgia+39%
United States+33%
Typical household income
Smyrna+31%
Cobb County+32%
Georgia+32%
United States+29%
Change since 2015–2019: Smyrna and its comparisons
Measure
Smyrna
Cobb County
Georgia
United States
Typical home value
+58%
+60%
+72%
+53%
Typical rent
+39%
+44%
+39%
+33%
Typical household income
+31%
+32%
+32%
+29%
Much as in Cobb County, the typical home value in Smyrna rose 58% since 2015–2019.
The typical rent in Smyrna rose 39% over the same time; in Cobb County, it rose 44%.
The typical household income in Smyrna rose 31%: less than home values (+58%) and rent (+39%).
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Smyrna and its comparisons
Measure
Smyrna
Cobb County
Georgia
United States
Rental vacancy
5.6%
5.3%
6.8%
5.5%
Homeowner vacancy
Unreliable estimate
0.8%
1.1%
0.9%
More than one person per room
Unreliable estimate
2.0%
2.4%
3.4%
People per household
2.27
2.59
2.62
2.53
Drive alone
60%
65%
71%
69%
Carpool
7%
8%
9%
9%
Public transit
Unreliable estimate
1%
1%
3%
Walk or bike
1%
1%
1%
3%
Work from home
30%
24%
16%
15%
Other means
2%
2%
2%
2%
Typical commute
Unreliable estimate
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
Much as in Cobb County, the rental vacancy rate in Smyrna is 5.6%.
On average, a household in Smyrna has 2.27 people, fewer than in Cobb County (2.59).
Many people here do not commute at all: 30% work from home; in Cobb County, 24%.
Do the math
What would you pay each month for a home in Smyrna?
A typical home costs more than the typical income allows
We start with a typical home in Smyrna, worth $449,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 44% of the typical household income in Smyrna, which is $100,061 a year. For that payment to be 28% of income, a household would need to earn about $157,529 a year.
The calculator's FHA and conventional loan limits are those of all of Cobb 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 Smyrna. 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 $15,733 (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
$3,676
at 7.18% · 30 years
Loan amount
$441,358
Total interest
$635,011
Paid off in
November 2056
Includes $7,591 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,335 a month
Tight
$2,335 to $3,002 a month
Hard
more than $3,002 a month
Your payment · 44%
Compared with the typical household income in Smyrna ($100,061 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,990
Property tax
$300
Home insurance
$187
FHA mortgage insurance (MIP)
$199
You need at least $15,733 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 $3,676; principal and interest $2,990.
The city and its county
Smyrna and Cobb County
Smyrna 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).
Smyrna
Map of Cobb County, Georgia, with Smyrna marked. Around it, the neighboring counties.
Smyrna
Cobb County
Other cities with a page
Smyrna's own numbers
Typical home value
$449,500
Typical monthly rent
$1,739
Typical yearly household income
$100,061
Households that own their home
59%
Effective property tax rate
0.8%
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.
A typical home in Smyrna is worth $449,500: 10% above the county and 48% above Georgia. With the typical household income in Smyrna ($100,061 a year), a typical home costs 4.5 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.
Smyrna4.5 years
Cobb4.0 years
Georgia3.9 years
United States4.1 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.
Yearly change in FHFA’s price index in Cobb County, 2016 to 2025
2016: +8.2% +8.2% 2016
2017: +7.7% +7.7% 2017
2018: +8.5% +8.5% 2018
2019: +6.3% +6.3% 2019
2020: +5.0% +5.0% 2020
2021: +14.1% +14.1% 2021
2022: +21.7% +21.7% 2022
2023: +8.1% +8.1% 2023
2024: +5.0% +5.0% 2024
2025: +2.1% +2.1% 2025
Change in FHFA’s price index in Cobb County, Georgia and the United States
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
Smyrna 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
Smyrna$449,500
Cobb$407,200
Georgia$303,300
United States$332,700
Typical monthly rent
Smyrna$1,739
Cobb$1,730
Georgia$1,393
United States$1,413
Typical yearly household income
Smyrna$100,061
Cobb$102,738
Georgia$77,353
United States$80,734
See the full table
Smyrna next to Cobb County and Georgia
Measure
Smyrna
Cobb County
Georgia
U.S.
Typical home value
$449,500 ▲10% above the county
$407,200
$303,300
$332,700
Typical monthly rent
$1,739
$1,730
$1,393
$1,413
Typical yearly household income
$100,061 ▼3% below the county
$102,738
$77,353
$80,734
Households that own their home
59% ▼8 points below the county
67%
66%
65%
Typical yearly property tax
$3,600 ▲32% above the county
$2,720
$2,341
$3,119
Effective property tax rate
0.8% ▲0.13 points above the county
0.67%
0.77%
0.94%
Renters with high rent for their income
52% ▲2 points above the county
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 Smyrna
For a typical $449,500 home in Smyrna, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Smyrna's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$3,676a month
Least cash to close
Down payment
$15,733
Cash to close
$29,218
Rate
7.18%
Mortgage insurance
FHA MIP · $199
Conventional, 5% down$3,593a month
Down payment
$22,475
Cash to close
$35,960
Rate
7.18%
Mortgage insurance
PMI · $214
Conventional, 20% down, no PMI$2,923a month
Down payment
$89,900
Cash to close
$103,385
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$3,339a month
Down payment
$67,425
Cash to close
$80,910
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Smyrna
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$3,676
$15,733
$441,358
7.18%
FHA MIP · $199
$29,218
580
Conventional, 5% down
$3,593
$22,475
$427,025
7.18%
PMI · $214
$35,960
620*
Conventional, 20% down, no PMI
$2,923
$89,900
$359,600
7.18%
None
$103,385
620*
ITIN, 15% down (example)
$3,339
$67,425
$382,075
8.18%
None
$80,910
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 Smyrna is $1,739 a month: about the same as the county. In Smyrna, 52% 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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Cobb County (Fiscal year 2027)
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 Smyrna
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Smyrna has 2 ZIP codes with their own.
For 2 bedrooms it runs from $1,900 in 30082 to $1,930 in 30080.
2 of the 2 are above the fair market rent for Cobb County ($1,762).
Fair market rent by ZIP code and size in Smyrna, fiscal year 2027.
30080
$1,700
$1,770
$1,930
$2,300
$2,730
30082
$1,680
$1,750
$1,900
$2,260
$2,690
ZIP code2 bd3 bd
30080 $1,930$2,300
30082 $1,900$2,260
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Smyrna 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.
There is 1 HUD-approved agency with an office in Cobb County; none says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Smyrna or Cobb County. The ones below are statewide in Georgia: they work in Smyrna 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.
Short answers with the numbers for Smyrna 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 Smyrna?
The typical home value in Smyrna is $449,500, 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 Smyrna?
Typical rent in Smyrna is $1,739 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 Smyrna?
Smyrna 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 Smyrna?
The typical homeowner in Smyrna pays $3,600 a year, according to the U.S. Census Bureau. That is 0.8% of the home’s value; in Cobb County, the rate is 0.67%.
Where can I find free help to buy or rent in Smyrna?
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.
