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City · 55,252 residents · Lowndes County, Georgia

Valdosta , Georgia

In Valdosta, a typical home is worth $182,800 and typical rent is $1,054 a month. Compared with all of Lowndes County, typical household income is 22% lower, the typical home value is 15% lower, and the share of households that own their home is 15 points lower.

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  • Typical home value

    $182,800

    15% below the county

    40% below Georgia

    • Valdosta
    • Lowndes
    • Georgia

  • Typical rent

    $1,054a month

    About the same as the county

    24% below Georgia

    • Valdosta
    • Lowndes
    • Georgia

  • Typical household income

    $45,925a year

    22% below the county

    41% below Georgia

    • Valdosta
    • Lowndes
    • Georgia

  • Households that own their home

    42%

    15 points below the county

    24 points below Georgia

    • Valdosta
    • Lowndes
    • Georgia

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

Market now, with Zillow data

Zillow data
Typical home value
$212,054
4.1% more than 12 months ago
Typical rent
$1,296 a month
3.5% more than 12 months ago

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

Valdosta is in Lowndes 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 Lowndes County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Valdosta apart

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

  1. 42% of households in Valdosta own their home, against 57% in Lowndes County.

  2. Nearby, in Moultrie, the typical rent is $790: 25% less than in Valdosta ($1,054).

  3. According to Zillow, in the 12 months to September 2026 the typical home value in Valdosta rose 4.1%; in Georgia, it fell 0.6%.

  4. The typical household income in Valdosta is $45,925, 22% less than in Lowndes County as a whole ($58,541).

  5. Nearby, in Adel, the typical home value is $154,900: 15% less than in Valdosta ($182,800).

  6. The typical home in Valdosta is worth $182,800, 15% less than in Lowndes County as a whole ($215,600).

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

The homes here

Housing in Valdosta

What homes there are in Valdosta, 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 Valdosta (61%), but less so than in Lowndes County (68%).

Year built

Homes in Valdosta are older: the typical year built is 1986; in Lowndes County, 1993.

In Valdosta, 10% of homes have 1 bedroom or none (studios); 59% have 3 bedrooms or more, against 71% in Lowndes 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

By price, most homes in Valdosta sit under the FHA limit for Lowndes County ($541,287): about 95%.

Monthly rent with utilities

About 61% of rented homes in Valdosta cost less than HUD's 2-bedroom fair market rent for Lowndes County ($1,179); the rest cost more.

With a mortgage

$1,340 a month

Lowndes County: $1,439 a month

Without a mortgage

$446 a month

Lowndes County: $469 a month

Owners with a mortgage

57%

Lowndes County: 62%

The typical cost for an owner with a mortgage in Valdosta is $1,340 a month, less than in Lowndes County ($1,439); without one, $446.

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

The typical home value in Valdosta rose 50% since 2015–2019, less than in Lowndes County (53%).

The typical rent in Valdosta rose 35% over the same time; in Lowndes County, it rose 31%.

The typical household income in Valdosta rose 41% over that time; home values changed +50% and rent +35%.

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

MeasureValdostaLowndes CountyGeorgiaUnited States
Rental vacancy 7.0%5.7%6.8%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.1%0.9%
More than one person per room 2.7%2.6%2.4%3.4%
People per household 2.322.502.622.53
Drive alone 79%81%71%69%
Carpool 10%9%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike 3%2%1%3%
Work from home 6%7%16%15%
Other means 2%1%2%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

There is more rental housing open in Valdosta: 7.0% is empty and offered for rent, against 5.7% in Lowndes County.

More than one person per room: that is how 2.7% of households in Valdosta live, near the figure in Lowndes County (2.6%).

On average, a household in Valdosta has 2.32 people, fewer than in Lowndes County (2.50).

The car rules in Valdosta: 79% 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 Valdosta?

A typical home costs more than the typical income allows

We start with a typical home in Valdosta, worth $182,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 40% of the typical household income in Valdosta, which is $45,925 a year. For that payment to be 28% of income, a household would need to earn about $65,042 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Valdosta. 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 $6,398 (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

$1,518

at 7.18% · 30 years

Loan amount
$179,489
Total interest
$258,243
Paid off in
November 2056

Includes $3,087 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,072 a month

  • Tight

    $1,072 to $1,378 a month

  • Hard

    more than $1,378 a month

    Your payment · 40%

Compared with the typical household income in Valdosta ($45,925 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,518
Principal & interest$1,216
Property tax$145
Home insurance$76
FHA mortgage insurance (MIP)$81

You need at least $6,398 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

Valdosta and Lowndes County

Valdosta is in Lowndes 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).

Valdosta's own numbers

Typical home value
$182,800
Typical monthly rent
$1,054
Typical yearly household income
$45,925
Households that own their home
42%
Effective property tax rate
0.95%

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

Numbers for all of Lowndes County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,179
Price change over 5 years (FHFA)
+49%
Homes in a high flood-risk zone
1.2%

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 Lowndes County.

Everything about Lowndes County

Buying

Buying a home in Valdosta

A typical home in Valdosta is worth $182,800: 15% below the county and 40% below Georgia. With the typical household income in Valdosta ($45,925 a year), a typical home costs 4.0 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.

  • Valdosta 4.0 years
  • Lowndes 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 Lowndes County

According to FHFA’s house price index, home prices in Lowndes County rose 65% in the 10 years through 2025.

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

Period County Georgia U.S.
Last year (2025) +3.0% +2.2% +2.9%
5 years (2020–2025) +49% +58% +47%
10 years (2015–2025) +65% +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

Valdosta next to Lowndes 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
  • Valdosta $182,800
  • Lowndes $215,600
  • Georgia $303,300
  • United States $332,700
Typical monthly rent
  • Valdosta $1,054
  • Lowndes $1,052
  • Georgia $1,393
  • United States $1,413
Typical yearly household income
  • Valdosta $45,925
  • Lowndes $58,541
  • Georgia $77,353
  • United States $80,734
See the full table
Valdosta next to Lowndes County and Georgia
Measure Valdosta Lowndes County Georgia U.S.
Typical home value $182,800 $215,600 $303,300 $332,700
Typical monthly rent $1,054 $1,052 $1,393 $1,413
Typical yearly household income $45,925 $58,541 $77,353 $80,734
Households that own their home 42% 57% 66% 65%
Typical yearly property tax $1,735 $1,750 $2,341 $3,119
Effective property tax rate 0.95% 0.81% 0.77% 0.94%
Renters with high rent for their income 58% 54% 52% 51%

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

For a typical $182,800 home in Valdosta, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Valdosta's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,518a month

    Least cash to close
    Down payment
    $6,398
    Cash to close
    $11,882
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $81

  • Conventional, 5% down $1,484a month

    Down payment
    $9,140
    Cash to close
    $14,624
    Rate
    7.18%
    Mortgage insurance
    PMI · $87

  • Conventional, 20% down, no PMI $1,212a month

    Down payment
    $36,560
    Cash to close
    $42,044
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,381a month

    Down payment
    $27,420
    Cash to close
    $32,904
    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 Valdosta and for Lowndes County.

Property tax

Effective rate in Valdosta

0.95%of the home’s value each year

$1,735 a year for the typical owner in Valdosta.

  • Valdosta 0.95%
  • Lowndes 0.81%
  • Georgia 0.77%

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

Exemptions and deadlines in Georgia

Flood risk in Lowndes County

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

Homes in the high-risk zone
1.2%
499
Of those, with NFIP insurance
22%
County Georgia U.S.
Homes in the high-risk zone 1.2% 2% 3.5%
Of those, with NFIP insurance 22% 43% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Valdosta

Typical rent in Valdosta is $1,054 a month: about the same as the county. In Valdosta, 58% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Lowndes County, by unit size. To pay the 2-bedroom one ($1,179 a month) without spending more than 30% of your income, you would need to earn $22.67 an hour working full time.

HUD fair market rent for all of Lowndes 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 $898 $17.27 $35,920
1 bedroom $904 $17.38 $36,160
2 bedrooms $1,179 $22.67 $47,160
3 bedrooms $1,575 $30.29 $63,000
4 bedrooms $1,923 $36.98 $76,920

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 Valdosta

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Valdosta has 4 ZIP codes with their own.

For 2 bedrooms it runs from $1,120 in 31601 to $1,470 in 31605.

3 of the 4 are above the fair market rent for Lowndes County ($1,179).

  • 31601 $1,120$1,500
  • 31602 $1,300$1,740
  • 31605 $1,470$1,960
  • 31698 $1,230$1,650

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

HUD lists 23 buildings with rents for lower incomes in Valdosta. These are the largest.

  • Brittany Woods and Park 1150 Old Statenville Rd, Valdosta 31601 204 homes, 172 low-income · In service since 2001 · For older adults (229) 244-1770
  • Hudson-Dockett Homes 807 S Fry St, Valdosta 31601 170 low-income homes · Run by Housing Authority of the City of Valdosta · Average payment: $299 a month · Average wait: 8 months (229) 242-4130
  • Cranford Homes 1102 W Gordon St, Valdosta 31601 131 low-income homes · Run by Housing Authority of the City of Valdosta · Average payment: $422 a month · Average wait: 3 months · Homes at several sites (229) 242-4130
  • Ora Lee West Homes 610 E Ann St, Valdosta 31601 130 low-income homes · Run by Housing Authority of the City of Valdosta · Average payment: $321 a month · Average wait: 8 months (229) 242-4130
  • Azalea Towers 2910 Tara Dr, Valdosta 31602 101 homes, 100 low-income · For older adults (229) 247-1275

See all 33 buildings in Lowndes County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Valdosta

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

A young woman and a young man point to a line in their notes beside a laptop in a library.

HUD counseling is free or low-cost

Assistance programs in Valdosta

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

The HUD-approved agencies closest to the center of Valdosta, 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 · 58 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 · 72 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 · 72 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 Valdosta

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 Valdosta

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

  • Housing Authority of the City of Valdosta Public housing (229) 242-4130

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

Cities

Other cities in Lowndes County

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

Everything about Lowndes County Housing in Georgia

Nearby cities

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

Neighboring counties

If Lowndes 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 Valdosta.

All guides
Three women of one family talk as they cook vegetables in the kitchen.

Questions

Housing questions about Valdosta

Short answers with the numbers for Valdosta and all of Lowndes 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 Valdosta?

The typical home value in Valdosta is $182,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Lowndes County it is $215,600.

How much does it cost to rent in Valdosta?

Typical rent in Valdosta is $1,054 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Lowndes County is $1,179.

What is the FHA loan limit in Valdosta?

Valdosta uses the FHA limit for all of Lowndes 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 Valdosta?

The typical homeowner in Valdosta pays $1,735 a year, according to the U.S. Census Bureau. That is 0.95% of the home’s value; in Lowndes County, the rate is 0.81%.

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

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