In Vidalia, a typical home is worth $158,500 and typical rent is $794 a month. Compared with all of Toombs County, the typical home value is 16% higher, typical household income is 6% lower, and the share of households that own their home is 12 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $143,362 to $185,806.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Vidalia is in Toombs 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 Toombs County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Swainsboro, the typical home value is $109,300: 31% less than in Vidalia ($158,500).
2
49% of households in Vidalia own their home, against 61% in Toombs County.
3
The typical home in Vidalia is worth $158,500,16% more than in Toombs County as a whole ($137,000).
4
Vidalia has the 15th lowest typical rent of the 162 cities in Georgia with more than 5,000 people ($794).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Vidalia
What homes there are in Vidalia, 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
Vidalia
Toombs County
Georgia
United States
Kind of home: Vidalia and its comparisons
Measure
Vidalia
Toombs County
Georgia
United States
Detached house
67%
58%
66%
61%
Attached house
Unreliable estimate
Unreliable estimate
4%
6%
Building of 2 to 4
17%
10%
5%
8%
Apartments (5 or more)
Unreliable estimate
Unreliable estimate
16%
19%
Mobile home
Unreliable estimate
26%
8%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Vidalia, 7 in 10 homes are single-family detached houses; in Toombs County, 6.
Year built
Before 19601960–19791980–19992000–20092010 or later
Vidalia
Toombs County
Georgia
United States
Year built: Vidalia and its comparisons
Measure
Vidalia
Toombs County
Georgia
United States
Before 1960
15%
13%
12%
26%
1960–1979
36%
29%
20%
24%
1980–1999
35%
37%
33%
25%
2000–2009
8%
13%
21%
14%
2010 or later
6%
8%
14%
11%
The typical home in Vidalia was built in 1979, 5 years before the typical one in Toombs County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K19%
$100K–$200K45%
$200K–$300K21%
$300K–$500K12%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Vidalia and its comparisons
Measure
Vidalia
Under $100K
19%
$100K–$200K
45%
$200K–$300K
21%
$300K–$500K
12%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable
With an FHA limit of $541,287, at least 96% of owner-occupied homes in Vidalia sit below it: they are worth less than $500,000.
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $50017%
$500–$99955%
$1,000–$1,49924%
HUD fair market rent, 2 bedrooms: $1,002
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Vidalia and its comparisons
Measure
Vidalia
Under $500
17%
$500–$999
55%
$1,000–$1,499
24%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
By rent, most homes in Vidalia cost less than HUD's 2-bedroom fair market rent ($1,002): about 72%.
With a mortgage
$1,274 a month
Toombs County: $1,227 a month
Without a mortgage
$367 a month
Toombs County: $378 a month
Owners with a mortgage
58%
Toombs County: 50%
In Vidalia, 58% of owners have a mortgage; their typical cost is $1,274 a month, about the same as in Toombs County.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Vidalia+34%
Toombs County+44%
Georgia+72%
United States+53%
Typical rent
Vidalia+36%
Toombs County+28%
Georgia+39%
United States+33%
Typical household income
Vidalia+22%
Toombs County+31%
Georgia+32%
United States+29%
Change since 2015–2019: Vidalia and its comparisons
Measure
Vidalia
Toombs County
Georgia
United States
Typical home value
+34%
+44%
+72%
+53%
Typical rent
+36%
+28%
+39%
+33%
Typical household income
+22%
+31%
+32%
+29%
From 2015–2019 to 2020–2024, the typical home value in Vidalia rose 34%; in Toombs County, it rose 44%.
The typical rent in Vidalia rose 36% over the same time; in Toombs County, it rose 28%.
Here income did not keep up with housing: it rose 22%, while home values changed +34% and rent +36%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Vidalia and its comparisons
Measure
Vidalia
Toombs County
Georgia
United States
Rental vacancy
Unreliable estimate
Unreliable estimate
6.8%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
1.1%
0.9%
More than one person per room
Unreliable estimate
3.8%
2.4%
3.4%
People per household
2.45
2.55
2.62
2.53
Drive alone
77%
78%
71%
69%
Carpool
Unreliable estimate
13%
9%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
Unreliable estimate
1%
3%
Work from home
Unreliable estimate
4%
16%
15%
Other means
Unreliable estimate
Unreliable estimate
2%
2%
Typical commute
10 to 19 minutes
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
Much as in Toombs County, a household in Vidalia has 2.45 people on average.
To get to work, 77% of workers in Vidalia drive alone; in Toombs County, 78%.
Do the math
What would you pay each month for a home in Vidalia?
A typical home is tight for the typical income
We start with a typical home in Vidalia, worth $158,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 32% of the typical household income in Vidalia, which is $49,370 a year. For that payment to be 28% of income, a household would need to earn about $56,679 a year.
The calculator's FHA and conventional loan limits are those of all of Toombs 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 Vidalia. 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 $5,548 (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
$1,323
at 7.18% · 30 years
Loan amount
$155,629
Total interest
$223,913
Paid off in
November 2056
Includes $2,677 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,152 a month
Tight
$1,152 to $1,481 a month
Your payment · 32%
Hard
more than $1,481 a month
Compared with the typical household income in Vidalia ($49,370 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,054
Property tax
$132
Home insurance
$66
FHA mortgage insurance (MIP)
$70
You need at least $5,548 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 $1,323; principal and interest $1,054.
The city and its county
Vidalia and Toombs County
Vidalia is in Toombs 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).
Vidalia
Map of Toombs County, Georgia, with Vidalia marked. Around it, the neighboring counties.
Vidalia
Toombs County
Other cities with a page
Vidalia's own numbers
Typical home value
$158,500
Typical monthly rent
$794
Typical yearly household income
$49,370
Households that own their home
49%
Effective property tax rate
1%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Toombs 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)
+53%
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 Toombs County.
A typical home in Vidalia is worth $158,500: 16% above the county and 48% below Georgia. With the typical household income in Vidalia ($49,370 a year), a typical home costs 3.2 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.
Vidalia3.2 years
Toombs2.6 years
Georgia3.9 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Toombs County
According to FHFA’s house price index, home prices in Toombs County rose 78% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Toombs County.
Yearly change in FHFA’s price index in Toombs County, 2016 to 2025
2016: +2.8% +2.8% 2016
2017: +3.2% +3.2% 2017
2018: +1.4% +1.4% 2018
2019: +6.4% +6.4% 2019
2020: +1.6% +1.6% 2020
2021: +11.5% +11.5% 2021
2022: +25.7% +25.7% 2022
2023: −3.8% −3.8% 2023
2024: +14.9% +14.9% 2024
2025: −1.3% −1.3% 2025
Change in FHFA’s price index in Toombs County, Georgia and the United States
Period
County
Georgia
U.S.
Last year (2025)
−1.3%
+2.2%
+2.9%
5 years (2020–2025)
+53%
+58%
+47%
10 years (2015–2025)
+78%
+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
Vidalia next to Toombs 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
Vidalia$158,500
Toombs$137,000
Georgia$303,300
United States$332,700
Typical monthly rent
Vidalia$794
Toombs$768
Georgia$1,393
United States$1,413
Typical yearly household income
Vidalia$49,370
Toombs$52,621
Georgia$77,353
United States$80,734
See the full table
Vidalia next to Toombs County and Georgia
Measure
Vidalia
Toombs County
Georgia
U.S.
Typical home value
$158,500 ▲16% above the county
$137,000
$303,300
$332,700
Typical monthly rent
$794 ▲3% above the county
$768
$1,393
$1,413
Typical yearly household income
$49,370 ▼6% below the county
$52,621
$77,353
$80,734
Households that own their home
49% ▼12 points below the county
61%
66%
65%
Typical yearly property tax
$1,590 ▲29% above the county
$1,235
$2,341
$3,119
Effective property tax rate
1% ▲0.1 points above the county
0.9%
0.77%
0.94%
Renters with high rent for their income
46% ▲4 points above the county
43%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Toombs 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 Vidalia
For a typical $158,500 home in Vidalia, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Vidalia's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,323a month
Least cash to close
Down payment
$5,548
Cash to close
$10,303
Rate
7.18%
Mortgage insurance
FHA MIP · $70
Conventional, 5% down$1,293a month
Down payment
$7,925
Cash to close
$12,680
Rate
7.18%
Mortgage insurance
PMI · $75
Conventional, 20% down, no PMI$1,057a month
Down payment
$31,700
Cash to close
$36,455
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,204a month
Down payment
$23,775
Cash to close
$28,530
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Vidalia
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,323
$5,548
$155,629
7.18%
FHA MIP · $70
$10,303
580
Conventional, 5% down
$1,293
$7,925
$150,575
7.18%
PMI · $75
$12,680
620*
Conventional, 20% down, no PMI
$1,057
$31,700
$126,800
7.18%
None
$36,455
620*
ITIN, 15% down (example)
$1,204
$23,775
$134,725
8.18%
None
$28,530
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 Vidalia is $794 a month: 3% above the county. In Vidalia, 46% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Toombs 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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Toombs County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$825
$15.87
$33,000
1 bedroom
$829
$15.94
$33,160
2 bedrooms
$1,002
$19.27
$40,080
3 bedrooms
$1,291
$24.83
$51,640
4 bedrooms
$1,317
$25.33
$52,680
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 Vidalia
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Vidalia is in ZIP code 30474.
For 2 bedrooms it is $1,050: $48 more than the fair market rent for Toombs County ($1,002).
Fair market rent by ZIP code and size in Vidalia, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
30474
$860
$860
$1,050
$1,360
$1,470
ZIP code2 bd3 bd
30474 $1,050$1,360
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Vidalia 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)
HUD lists 6 buildings with rents for lower incomes in Vidalia. These are the largest.
Brice Elderly/Dickerson2304A Winona St, Vidalia 30474110 low-income homes · Run by Housing Authority of the City of Vidalia · Average payment: $304 a month · Average wait: 7 months · Homes at several sites(912) 537-4885
Raymonia Apartments1208 Easter Dr, Vidalia 3047480 low-income homes · For families(912) 537-9238
Forest Glen Village1805O Edwina Dr, Vidalia 3047446 low-income homes · In service since 1995
Faith Crossing123 Agan Dr, Vidalia 3047464 homes · In service since 2012
The Chateau706 Loop Rd, Vidalia 3047456 homes · In service since 2003
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 Toombs County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Vidalia or Toombs County. The ones below are statewide in Georgia: they work in Vidalia 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.
No legal help resource on our list is for Vidalia or Toombs County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Vidalia and all of Toombs 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 Vidalia?
The typical home value in Vidalia is $158,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Toombs County it is $137,000.
How much does it cost to rent in Vidalia?
Typical rent in Vidalia is $794 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Toombs County is $1,002.
What is the FHA loan limit in Vidalia?
Vidalia uses the FHA limit for all of Toombs 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 Vidalia?
The typical homeowner in Vidalia pays $1,590 a year, according to the U.S. Census Bureau. That is 1% of the home’s value; in Toombs County, the rate is 0.9%.
Where can I find free help to buy or rent in Vidalia?
We found no HUD-approved counseling agencies with an office in Toombs County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
