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City · 18,666 residents · Thomas County, Georgia

Thomasville , Georgia

In Thomasville, a typical home is worth $205,200 and typical rent is $1,077 a month. Compared with all of Thomas County, typical household income is 18% lower, typical rent is 6% higher, and the share of households that own their home is 13 points lower.

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  • Typical home value

    $205,200

    4% above the county

    32% below Georgia

    • Thomasville
    • Thomas
    • Georgia

  • Typical rent

    $1,077a month

    6% above the county

    23% below Georgia

    • Thomasville
    • Thomas
    • Georgia

  • Typical household income

    $49,673a year

    18% below the county

    36% below Georgia

    • Thomasville
    • Thomas
    • Georgia

  • Households that own their home

    50%

    13 points below the county

    15 points below Georgia

    • Thomasville
    • Thomas
    • Georgia

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

Market now, with Zillow data

Zillow data
Typical home value
$232,278
3.6% more than 12 months ago
Typical rent
$1,661 a month
5.8% more than 12 months ago

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

Thomasville is in Thomas 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 Thomas County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Thomasville apart

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

  1. Nearby, in Camilla, the typical home value is $85,400: 58% less than in Thomasville ($205,200).

  2. Nearby, in Cairo, the typical rent is $778: 28% less than in Thomasville ($1,077).

  3. According to Zillow, in the 12 months to September 2026 the typical home value in Thomasville rose 3.6%; in Georgia, it fell 0.6%.

  4. 50% of households in Thomasville own their home, against 64% in Thomas County.

  5. The typical household income in Thomasville is $49,673, 18% less than in Thomas County as a whole ($60,736).

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

The homes here

Housing in Thomasville

What homes there are in Thomasville, 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 74% of homes here, against 67% in Thomas County.

Year built

In Thomasville, half of the homes were built before 1977; in Thomas County, before 1987.

There are fewer big homes in Thomasville than in Thomas County: 62% have 3 bedrooms or more, against 71%.

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

About 88% of owner-occupied homes in Thomasville are worth less than the FHA loan limit for Thomas County ($541,287).

Monthly rent with utilities

With a mortgage

$1,466 a month

Thomas County: $1,452 a month

Without a mortgage

$529 a month

Thomas County: $497 a month

Owners with a mortgage

60%

Thomas County: 58%

Owning costs about the same in Thomasville as in Thomas County: with a mortgage, $1,466 a month; without one, $529.

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 Thomasville rose 26%; in Thomas County, it rose 34%.

Rents in Thomasville rose faster than in Thomas County: 26% since 2015–2019, against 18%.

The typical household income in Thomasville rose 53%: more than home values (+26%) and rent (+26%).

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

MeasureThomasvilleThomas CountyGeorgiaUnited States
Rental vacancy Unreliable estimateUnreliable estimate6.8%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.1%0.9%
More than one person per room Unreliable estimate1.7%2.4%3.4%
People per household 2.302.422.622.53
Drive alone 76%77%71%69%
Carpool 16%14%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimateUnreliable estimate1%3%
Work from home 6%8%16%15%
Other means Unreliable estimateUnreliable estimate2%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

Much as in Thomas County, a household in Thomasville has 2.30 people on average.

The car rules in Thomasville: 76% of workers drive to work alone, and the typical trip takes 10 to 19 minutes.

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 Thomasville?

A typical home costs more than the typical income allows

We start with a typical home in Thomasville, worth $205,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 41% of the typical household income in Thomasville, which is $49,673 a year. For that payment to be 28% of income, a household would need to earn about $71,913 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Thomasville. 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 $7,182 (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

$1,678

at 7.18% · 30 years

Loan amount
$201,483
Total interest
$289,887
Paid off in
November 2056

Includes $3,465 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,159 a month

  • Tight

    $1,159 to $1,490 a month

  • Hard

    more than $1,490 a month

    Your payment · 41%

Compared with the typical household income in Thomasville ($49,673 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,678
Principal & interest$1,365
Property tax$137
Home insurance$86
FHA mortgage insurance (MIP)$91

You need at least $7,182 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

Thomasville and Thomas County

Thomasville is in Thomas 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).

Thomasville's own numbers

Typical home value
$205,200
Typical monthly rent
$1,077
Typical yearly household income
$49,673
Households that own their home
50%
Effective property tax rate
0.8%

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

Numbers for all of Thomas County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,233
Price change over 5 years (FHFA)
+60%
Homes in a high flood-risk zone
2.2%

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 Thomas County.

Everything about Thomas County

Buying

Buying a home in Thomasville

A typical home in Thomasville is worth $205,200: 4% above the county and 32% below Georgia. With the typical household income in Thomasville ($49,673 a year), a typical home costs 4.1 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.

  • Thomasville 4.1 years
  • Thomas 3.2 years
  • Georgia 3.9 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Thomas County

According to FHFA’s house price index, home prices in Thomas County rose 88% in the 10 years through 2025.

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

Period County Georgia U.S.
Last year (2025) +4.3% +2.2% +2.9%
5 years (2020–2025) +60% +58% +47%
10 years (2015–2025) +88% +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

Thomasville next to Thomas 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
  • Thomasville $205,200
  • Thomas $196,700
  • Georgia $303,300
  • United States $332,700
Typical monthly rent
  • Thomasville $1,077
  • Thomas $1,018
  • Georgia $1,393
  • United States $1,413
Typical yearly household income
  • Thomasville $49,673
  • Thomas $60,736
  • Georgia $77,353
  • United States $80,734
See the full table
Thomasville next to Thomas County and Georgia
Measure Thomasville Thomas County Georgia U.S.
Typical home value $205,200 $196,700 $303,300 $332,700
Typical monthly rent $1,077 $1,018 $1,393 $1,413
Typical yearly household income $49,673 $60,736 $77,353 $80,734
Households that own their home 50% 64% 66% 65%
Typical yearly property tax $1,645 $1,539 $2,341 $3,119
Effective property tax rate 0.8% 0.78% 0.77% 0.94%
Renters with high rent for their income 51% 50% 52% 51%

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

For a typical $205,200 home in Thomasville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Thomasville's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,678a month

    Least cash to close
    Down payment
    $7,182
    Cash to close
    $13,338
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $91

  • Conventional, 5% down $1,640a month

    Down payment
    $10,260
    Cash to close
    $16,416
    Rate
    7.18%
    Mortgage insurance
    PMI · $97

  • Conventional, 20% down, no PMI $1,334a month

    Down payment
    $41,040
    Cash to close
    $47,196
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,524a month

    Down payment
    $30,780
    Cash to close
    $36,936
    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 Thomasville and for Thomas County.

Property tax

Effective rate in Thomasville

0.8%of the home’s value each year

$1,645 a year for the typical owner in Thomasville.

  • Thomasville 0.8%
  • Thomas 0.78%
  • Georgia 0.77%

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

Exemptions and deadlines in Georgia

Flood risk in Thomas County

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

Homes in the high-risk zone
2.2%
440
Of those, with NFIP insurance
15%
County Georgia U.S.
Homes in the high-risk zone 2.2% 2% 3.5%
Of those, with NFIP insurance 15% 43% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Thomasville

Typical rent in Thomasville is $1,077 a month: 6% above the county. In Thomasville, 51% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Thomas County, by unit size. To pay the 2-bedroom one ($1,233 a month) without spending more than 30% of your income, you would need to earn $23.71 an hour working full time.

HUD fair market rent for all of Thomas 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 $1,087 $20.90 $43,480
1 bedroom $1,093 $21.02 $43,720
2 bedrooms $1,233 $23.71 $49,320
3 bedrooms $1,492 $28.69 $59,680
4 bedrooms $1,620 $31.15 $64,800

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 Thomasville

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Thomasville is in ZIP code 31792.

For 2 bedrooms it is $1,270: $37 more than the fair market rent for Thomas County ($1,233).

  • 31792 $1,270$1,540

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

HUD lists 11 buildings with rents for lower incomes in Thomasville. These are the largest.

  • College Terrace 143 Cherokee St, Thomasville 31792 254 low-income homes · Run by Housing Authority of the City of Thomasville · Average payment: $351 a month · Average wait: 15 months · Homes at several sites (229) 226-4065
  • Villa North Apartments Ltd 510 Old Albany Rd, Thomasville 31792 132 low-income homes · For families (229) 226-0016
  • Providence Plaza Apartments (I, II) 115 S Pinetree Blvd, Thomasville 31792 90 low-income homes · For older adults
  • Wood Valley Apartments 1325 Warner St, Thomasville 31792 88 low-income homes · In service since 2003 · For families (229) 226-0682
  • Hampton Lake Apartments 105 Caitlin Ln, Thomasville 31792 96 homes, 75 low-income · 1 bd: 24 · 2 bd: 48 · 3 bd: 24 · In service since 2007

See all 12 buildings in Thomas County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Thomasville

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

An older man and his daughter go over papers with a professional.

HUD counseling is free or low-cost

Assistance programs in Thomasville

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

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

  • Family Visions Outreach, Inc.

    601 West Price St., Sylvester · 49 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (229) 777-7704

  • City of Albany, Georgia

    230 S Jackson St Ste 315, Albany · 52 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (229) 483-7650

  • Nid-Hca Albany (FLETCHER)

    230 S Jackson St Ste 154, Albany · 52 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (229) 317-4745

All counseling agencies in Georgia

Help in Spanish near Thomasville

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 Thomasville

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

  • Housing Authority of the City of Thomasville Public housing (229) 226-4065

One other authority has an office in Thomas County: see the list Source: HUD

Cities

Nearby cities

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

Everything about Thomas County Housing in Georgia

Neighboring counties

If Thomas 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 Thomasville.

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

Questions

Housing questions about Thomasville

Short answers with the numbers for Thomasville and all of Thomas 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 Thomasville?

The typical home value in Thomasville is $205,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Thomas County it is $196,700.

How much does it cost to rent in Thomasville?

Typical rent in Thomasville is $1,077 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Thomas County is $1,233.

What is the FHA loan limit in Thomasville?

Thomasville uses the FHA limit for all of Thomas 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 Thomasville?

The typical homeowner in Thomasville pays $1,645 a year, according to the U.S. Census Bureau. That is 0.8% of the home’s value; in Thomas County, the rate is 0.78%.

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

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