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City · 17,210 residents · Tift County, Georgia

Tifton , Georgia

In Tifton, a typical home is worth $196,200 and typical rent is $798 a month. Compared with all of Tift County, the typical home value is 19% higher, typical household income is 15% lower, and the share of households that own their home is 20 points lower.

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  • Typical home value

    $196,200

    19% above the county

    35% below Georgia

    • Tifton
    • Tift
    • Georgia

  • Typical rent

    $798a month

    3% above the county

    43% below Georgia

    • Tifton
    • Tift
    • Georgia

  • Typical household income

    $45,298a year

    15% below the county

    41% below Georgia

    • Tifton
    • Tift
    • Georgia

  • Households that own their home

    41%

    20 points below the county

    25 points below Georgia

    • Tifton
    • Tift
    • Georgia

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

Market now, with Zillow data

Zillow data
Typical home value
$208,512
3.7% more than 12 months ago

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

Tifton is in Tift 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 Tift County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Tifton apart

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

  1. Nearby, in Fitzgerald, the typical home value is $99,000: 50% less than in Tifton ($196,200).

  2. 41% of households in Tifton own their home, against 61% in Tift County.

  3. According to Zillow, in the 12 months to September 2026 the typical home value in Tifton rose 3.7%; in Georgia, it fell 0.6%.

  4. Nearby, in Fitzgerald, the typical rent is $670: 16% less than in Tifton ($798).

  5. The typical home in Tifton is worth $196,200, 19% more than in Tift County as a whole ($165,200).

  6. Tifton has the 16th lowest typical rent of the 162 cities in Georgia with more than 5,000 people ($798).

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

The homes here

Housing in Tifton

What homes there are in Tifton, 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 are the majority in Tifton (55%), but less so than in Tift County (63%).

Year built

The typical home in Tifton was built in 1978, 6 years before the typical one in Tift County.

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

At least 95% of owner-occupied homes in Tifton are worth less than $500,000, below the FHA loan limit for Tift County ($541,287).

Monthly rent with utilities

By rent, most homes in Tifton cost less than HUD's 2-bedroom fair market rent ($1,002): about 70%.

With a mortgage

$1,221 a month

Tift County: $1,271 a month

Without a mortgage

$528 a month

Tift County: $459 a month

Owners with a mortgage

58%

Tift County: 56%

Owning costs about the same in Tifton as in Tift County: with a mortgage, $1,221 a month; without one, $528.

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 Tifton rose 65%; in Tift County, it rose 40%.

Rent in Tifton moved so little since 2015–2019 that the Census cannot say whether it rose or fell.

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

MeasureTiftonTift 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 estimate2.4%2.4%3.4%
People per household 2.372.522.622.53
Drive alone 75%80%71%69%
Carpool 12%11%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimateUnreliable estimate1%3%
Work from home 8%5%16%15%
Other means Unreliable estimateUnreliable estimate2%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Tifton has 2.37 people, fewer than in Tift County (2.52).

To get to work, 75% of workers in Tifton drive alone; in Tift County, 80%.

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 Tifton?

A typical home costs more than the typical income allows

We start with a typical home in Tifton, worth $196,200, 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 Tifton, which is $45,298 a year. For that payment to be 28% of income, a household would need to earn about $69,180 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Tifton. 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 $6,867 (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

$1,614

at 7.18% · 30 years

Loan amount
$192,646
Total interest
$277,173
Paid off in
November 2056

Includes $3,313 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,057 a month

  • Tight

    $1,057 to $1,359 a month

  • Hard

    more than $1,359 a month

    Your payment · 43%

Compared with the typical household income in Tifton ($45,298 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,614
Principal & interest$1,305
Property tax$141
Home insurance$82
FHA mortgage insurance (MIP)$87

You need at least $6,867 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

Tifton and Tift County

Tifton is in Tift 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).

Tifton's own numbers

Typical home value
$196,200
Typical monthly rent
$798
Typical yearly household income
$45,298
Households that own their home
41%
Effective property tax rate
0.86%

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

Numbers for all of Tift County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,002
Price change over 5 years (FHFA)
+46%
Homes in a high flood-risk zone
3.7%

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 Tift County.

Everything about Tift County

Buying

Buying a home in Tifton

A typical home in Tifton is worth $196,200: 19% above the county and 35% below Georgia. With the typical household income in Tifton ($45,298 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.

  • Tifton 4.3 years
  • Tift 3.1 years
  • Georgia 3.9 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Tift County

According to FHFA’s house price index, home prices in Tift County rose 69% in the 10 years through 2025.

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

Period County Georgia U.S.
Last year (2025) +1.9% +2.2% +2.9%
5 years (2020–2025) +46% +58% +47%
10 years (2015–2025) +69% +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

Tifton next to Tift 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
  • Tifton $196,200
  • Tift $165,200
  • Georgia $303,300
  • United States $332,700
Typical monthly rent
  • Tifton $798
  • Tift $777
  • Georgia $1,393
  • United States $1,413
Typical yearly household income
  • Tifton $45,298
  • Tift $53,255
  • Georgia $77,353
  • United States $80,734
See the full table
Tifton next to Tift County and Georgia
Measure Tifton Tift County Georgia U.S.
Typical home value $196,200 $165,200 $303,300 $332,700
Typical monthly rent $798 $777 $1,393 $1,413
Typical yearly household income $45,298 $53,255 $77,353 $80,734
Households that own their home 41% 61% 66% 65%
Typical yearly property tax $1,680 $1,419 $2,341 $3,119
Effective property tax rate 0.86% 0.86% 0.77% 0.94%
Renters with high rent for their income 45% 43% 52% 51%

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

For a typical $196,200 home in Tifton, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Tifton's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,614a month

    Least cash to close
    Down payment
    $6,867
    Cash to close
    $12,753
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $87

  • Conventional, 5% down $1,578a month

    Down payment
    $9,810
    Cash to close
    $15,696
    Rate
    7.18%
    Mortgage insurance
    PMI · $93

  • Conventional, 20% down, no PMI $1,286a month

    Down payment
    $39,240
    Cash to close
    $45,126
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,467a month

    Down payment
    $29,430
    Cash to close
    $35,316
    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 Tifton and for Tift County.

Property tax

Effective rate in Tifton

0.86%of the home’s value each year

$1,680 a year for the typical owner in Tifton.

  • Tifton 0.86%
  • Tift 0.86%
  • Georgia 0.77%

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

Exemptions and deadlines in Georgia

Flood risk in Tift County

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

Homes in the high-risk zone
3.7%
583
Of those, with NFIP insurance
15%
County Georgia U.S.
Homes in the high-risk zone 3.7% 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 Tifton

Typical rent in Tifton is $798 a month: 3% above the county. In Tifton, 45% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Tift County, by unit size. To pay the 2-bedroom one ($1,002 a month) without spending more than 30% of your income, you would need to earn $19.27 an hour working full time.

HUD fair market rent for all of Tift 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 $844 $16.23 $33,760
1 bedroom $849 $16.33 $33,960
2 bedrooms $1,002 $19.27 $40,080
3 bedrooms $1,252 $24.08 $50,080
4 bedrooms $1,502 $28.88 $60,080

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 Tifton

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Tifton has 2 ZIP codes with their own.

For 2 bedrooms it runs from $1,000 in 31793 to $1,010 in 31794.

1 of the 2 is above the fair market rent for Tift County ($1,002).

  • 31793 $1,000$1,250
  • 31794 $1,010$1,260

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Tifton 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 Tifton

HUD lists 18 buildings with rents for lower incomes in Tifton. These are the largest.

  • Amp 1 720 Timmons Dr, Tifton 31794 125 low-income homes · Run by Housing Authority of the City of Tifton · Average payment: $381 a month · Average wait: 9 months · Homes at several sites (229) 382-5434
  • Amp 3 1425 Tift Ave N, Tifton 31794 122 low-income homes · Run by Housing Authority of the City of Tifton · Average payment: $376 a month · Average wait: 18 months · Homes at several sites (229) 382-5434
  • Brookfield Mews 99 Tifton Eldorado Rd, Tifton 31794 120 low-income homes · 1 bd: 32 · 2 bd: 64 · 3 bd: 18 · 4 bd: 6 · In service since 2017 · For families (229) 382-6278
  • Amp 2 1923 Woodlawn Ave, Tifton 31794 90 low-income homes · Run by Housing Authority of the City of Tifton · Average payment: $350 a month · Average wait: 28 months · Homes at several sites (229) 382-5434
  • Wildwood Apartments 1220 Sussex Dr, Tifton 31794 88 homes, 87 low-income · 2 bd: 72 · 3 bd: 16 · In service since 2007

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

Free help

Help to buy or rent in Tifton

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 Tift 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 Tifton

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

The HUD-approved agencies closest to the center of Tifton, 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 · 20 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 · 38 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 · 38 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 Tifton

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 Tifton

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

  • Housing Authority of the City of Tifton Public housing (229) 382-5434

All housing agencies in Georgia Source: HUD

Cities

Nearby cities

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

Everything about Tift County Housing in Georgia

Neighboring counties

If Tift 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 Tifton.

All guides
A man and two girls read a book together on the sofa.

Questions

Housing questions about Tifton

Short answers with the numbers for Tifton and all of Tift 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 Tifton?

The typical home value in Tifton is $196,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Tift County it is $165,200.

How much does it cost to rent in Tifton?

Typical rent in Tifton is $798 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Tift County is $1,002.

What is the FHA loan limit in Tifton?

Tifton uses the FHA limit for all of Tift 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 Tifton?

The typical homeowner in Tifton pays $1,680 a year, according to the U.S. Census Bureau. That is 0.86% of the home’s value; in Tift County, the rate is 0.86%.

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

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