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City · 6,623 residents · DeKalb County, Georgia

Stone Mountain , Georgia

In Stone Mountain, a typical home is worth $206,400 and typical rent is $1,540 a month. Compared with all of DeKalb County, the typical home value is 42% lower, typical household income is 42% lower, and the share of households that own their home is 9 points lower.

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  • Typical home value

    $206,400

    42% below the county

    32% below Georgia

    • Stone Mountain
    • DeKalb
    • Georgia

  • Typical rent

    $1,540a month

    9% below the county

    11% above Georgia

    • Stone Mountain
    • DeKalb
    • Georgia

  • Typical household income

    $46,973a year

    42% below the county

    39% below Georgia

    • Stone Mountain
    • DeKalb
    • Georgia

  • Households that own their home

    50%

    9 points below the county

    16 points below Georgia

    • Stone Mountain
    • DeKalb
    • Georgia

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

Market now, with Zillow data

Zillow data
Typical home value
$265,098
4.7% less than 12 months ago
Typical rent
$1,648 a month
about the same as 12 months ago

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

Stone Mountain is in DeKalb 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 DeKalb County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Stone Mountain apart

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

  1. Stone Mountain has the 3rd largest share of rent-burdened renters of the 157 cities in Georgia with more than 5,000 people (74%).

  2. The typical home in Stone Mountain is worth $206,400, 42% less than in DeKalb County as a whole ($357,800).

  3. The typical household income in Stone Mountain is $46,973, 42% less than in DeKalb County as a whole ($80,644).

  4. According to Zillow, in the 12 months to September 2026 the typical home value in Stone Mountain fell 4.7%; in Georgia, it fell 0.6%.

  5. 50% of households in Stone Mountain own their home, against 59% in DeKalb County.

Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data

The homes here

Housing in Stone Mountain

What homes there are in Stone Mountain, 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 60% of homes here, against 56% in DeKalb County.

Year built

Homes in Stone Mountain are older: the typical year built is 1979; in DeKalb County, 1984.

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

$1,420 a month

DeKalb County: $1,979 a month

Without a mortgage

$524 a month

DeKalb County: $715 a month

Owners with a mortgage

65%

DeKalb County: 70%

The typical cost for an owner with a mortgage in Stone Mountain is $1,420 a month, less than in DeKalb County ($1,979); without one, $524.

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

Much as in DeKalb County, the typical home value in Stone Mountain rose 65% since 2015–2019.

Rents in Stone Mountain rose more slowly than in DeKalb County: 40% since 2015–2019, against 45%.

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

MeasureStone MountainDeKalb CountyGeorgiaUnited States
Rental vacancy Unreliable estimate10.9%6.8%5.5%
Homeowner vacancy Unreliable estimate1.6%1.1%0.9%
More than one person per room Unreliable estimate2.9%2.4%3.4%
People per household 2.762.632.622.53
Drive alone 75%61%71%69%
Carpool Unreliable estimate9%9%9%
Public transit Unreliable estimate4%1%3%
Walk or bike Unreliable estimate2%1%3%
Work from home Unreliable estimate23%16%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimateUnreliable estimate20 to 29 minutes20 to 29 minutes

A household in Stone Mountain has 2.76 people on average, about the same as in DeKalb County (2.63).

In Stone Mountain, 75% of workers drive alone to work; in DeKalb County, 61%.

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 Stone Mountain?

A typical home costs more than the typical income allows

We start with a typical home in Stone Mountain, worth $206,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 45% of the typical household income in Stone Mountain, which is $46,973 a year. For that payment to be 28% of income, a household would need to earn about $74,840 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Stone Mountain. 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 $7,224 (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

$1,746

at 7.18% · 30 years

Loan amount
$202,662
Total interest
$291,582
Paid off in
November 2056

Includes $3,486 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,096 a month

  • Tight

    $1,096 to $1,409 a month

  • Hard

    more than $1,409 a month

    Your payment · 45%

Compared with the typical household income in Stone Mountain ($46,973 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,746
Principal & interest$1,373
Property tax$196
Home insurance$86
FHA mortgage insurance (MIP)$91

You need at least $7,224 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

Stone Mountain and DeKalb County

Stone Mountain is in DeKalb 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).

Stone Mountain's own numbers

Typical home value
$206,400
Typical monthly rent
$1,540
Typical yearly household income
$46,973
Households that own their home
50%
Effective property tax rate
1.14%

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

Numbers for all of DeKalb 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)
+41%
Homes in a high flood-risk zone
0.9%

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 DeKalb County.

Everything about DeKalb County

Buying

Buying a home in Stone Mountain

A typical home in Stone Mountain is worth $206,400: 42% below the county and 32% below Georgia. With the typical household income in Stone Mountain ($46,973 a year), a typical home costs 4.4 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.

  • Stone Mountain 4.4 years
  • DeKalb 4.4 years
  • Georgia 3.9 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in DeKalb County

According to FHFA’s house price index, home prices in DeKalb County rose 89% in the 10 years through 2025.

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

Period County Georgia U.S.
Last year (2025) +0.7% +2.2% +2.9%
5 years (2020–2025) +41% +58% +47%
10 years (2015–2025) +89% +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

Stone Mountain next to DeKalb 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
  • Stone Mountain $206,400
  • DeKalb $357,800
  • Georgia $303,300
  • United States $332,700
Typical monthly rent
  • Stone Mountain $1,540
  • DeKalb $1,692
  • Georgia $1,393
  • United States $1,413
Typical yearly household income
  • Stone Mountain $46,973
  • DeKalb $80,644
  • Georgia $77,353
  • United States $80,734
See the full table
Stone Mountain next to DeKalb County and Georgia
Measure Stone Mountain DeKalb County Georgia U.S.
Typical home value $206,400 $357,800 $303,300 $332,700
Typical monthly rent $1,540 $1,692 $1,393 $1,413
Typical yearly household income $46,973 $80,644 $77,353 $80,734
Households that own their home 50% 59% 66% 65%
Typical yearly property tax $2,352 $3,310 $2,341 $3,119
Effective property tax rate 1.14% 0.93% 0.77% 0.94%
Renters with high rent for their income 74% 59% 52% 51%

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

For a typical $206,400 home in Stone Mountain, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Stone Mountain's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,746a month

    Least cash to close
    Down payment
    $7,224
    Cash to close
    $13,416
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $91

  • Conventional, 5% down $1,708a month

    Down payment
    $10,320
    Cash to close
    $16,512
    Rate
    7.18%
    Mortgage insurance
    PMI · $98

  • Conventional, 20% down, no PMI $1,401a month

    Down payment
    $41,280
    Cash to close
    $47,472
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,591a month

    Down payment
    $30,960
    Cash to close
    $37,152
    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 Stone Mountain and for DeKalb County.

Property tax

Effective rate in Stone Mountain

1.14%of the home’s value each year

$2,352 a year for the typical owner in Stone Mountain.

  • Stone Mountain 1.14%
  • DeKalb 0.93%
  • Georgia 0.77%

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

Exemptions and deadlines in Georgia

Flood risk in DeKalb County

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

Homes in the high-risk zone
0.9%
1,927
Of those, with NFIP insurance
72%
County Georgia U.S.
Homes in the high-risk zone 0.9% 2% 3.5%
Of those, with NFIP insurance 72% 43% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Stone Mountain

Typical rent in Stone Mountain is $1,540 a month: 9% below the county. In Stone Mountain, 74% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of DeKalb 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 DeKalb 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 Stone Mountain

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Stone Mountain is in ZIP code 30083.

For 2 bedrooms it is $1,570: $192 less than the fair market rent for DeKalb County ($1,762).

  • 30083 $1,570$1,870

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

HUD lists 15 buildings with rents for lower incomes in Stone Mountain. These are the largest.

  • Lake Point 1038 S Hairston Rd, Stone Mountain 30088 354 homes, 353 low-income · 1 bd: 117 · 2 bd: 174 · 3 bd: 62 · In service since 2005
  • Reserve at Hairston Lake 1023 N Hairston Rd, Stone Mountain 30083 170 low-income homes · 1 bd: 170 · In service since 2019 · For older adults (404) 296-4116
  • Antioch Manor Estates I 4711 Bishop Ming Blvd, Stone Mountain 30088 120 homes, 96 low-income · In service since 2005
  • Manor at Indian Creek 3904 Durham Park Rd, Stone Mountain 30083 94 low-income homes · In service since 2018 · For older adults (404) 292-9400
  • Manor at Indian Creek II 3884 Durham Park Rd, Stone Mountain 30083 94 homes, 75 low-income · 1 bd: 79 · 2 bd: 15 · In service since 2018

See all 135 buildings in DeKalb County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Stone Mountain

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 are 8 HUD-approved agencies with an office in DeKalb County; 3 say they serve in Spanish.

A man smiles on a bench outside his apartment building.

HUD counseling is free or low-cost

Assistance programs in Stone Mountain

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

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

  • Refugee Family Assistance Program

    5405 Memorial Drive Suite 101, Stone Mountain · 3 miles away

    Also serves in Arabic, Farsi, other languages, Swahili, and 1 more language.

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (404) 296-8743

  • Help the People Program Housing Counseling Agency

    3567 Covington Hwy, Decatur · 5 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 5 more
    (404) 688-7766

  • Catholic Charities of the Archdiocese of Atlanta

    2305 Parklake Dr NE, Atlanta · 6 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 8 more
    (770) 790-3112

Every agency in DeKalb County All counseling agencies in Georgia

Help in Spanish near Stone Mountain

1 of the 3 agencies on this list says it serves 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 Stone Mountain

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

  • Housing Authority of the County of Dekalb, GA Public housing and Section 8 vouchers (404) 270-2500

3 other authorities have an office in DeKalb County: see the list Source: HUD

Cities

Other cities in DeKalb County

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

Everything about DeKalb County Housing in Georgia
See 5 more cities in DeKalb County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to Stone Mountain, with the typical home value.

Neighboring counties

If DeKalb 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 Stone Mountain.

All guides
A father and mother walk their son by the hand down the sidewalk.

Questions

Housing questions about Stone Mountain

Short answers with the numbers for Stone Mountain and all of DeKalb 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 Stone Mountain?

The typical home value in Stone Mountain is $206,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in DeKalb County it is $357,800.

How much does it cost to rent in Stone Mountain?

Typical rent in Stone Mountain is $1,540 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in DeKalb County is $1,762.

What is the FHA loan limit in Stone Mountain?

Stone Mountain uses the FHA limit for all of DeKalb 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 Stone Mountain?

The typical homeowner in Stone Mountain pays $2,352 a year, according to the U.S. Census Bureau. That is 1.14% of the home’s value; in DeKalb County, the rate is 0.93%.

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

There are 8 HUD-approved counseling agencies with an office in DeKalb County. 3 say they serve in Spanish. 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).