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City · 18,551 residents · Carroll County, Georgia

Villa Rica , Georgia

In Villa Rica, a typical home is worth $274,200 and typical rent is $1,547 a month. Compared with all of Carroll County, typical rent is 34% higher, typical household income is 19% higher, and the share of households that own their home is 6 points lower.

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  • Typical home value

    $274,200

    7% above the county

    10% below Georgia

    • Villa Rica
    • Carroll
    • Georgia

  • Typical rent

    $1,547a month

    34% above the county

    11% above Georgia

    • Villa Rica
    • Carroll
    • Georgia

  • Typical household income

    $87,803a year

    19% above the county

    14% above Georgia

    • Villa Rica
    • Carroll
    • Georgia

  • Households that own their home

    65%

    6 points below the county

    About the same as Georgia

    • Villa Rica
    • Carroll
    • Georgia

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

Market now, with Zillow data

Zillow data
Typical home value
$310,119
0.7% less than 12 months ago
Typical rent
$1,844 a month
2% more than 12 months ago

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

Villa Rica is in Carroll 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 Carroll County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Villa Rica apart

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

  1. Villa Rica has the 4th smallest share of rent-burdened renters of the 157 cities in Georgia with more than 5,000 people (33%).

  2. Nearby, in Bremen, the typical rent is $951: 39% less than in Villa Rica ($1,547).

  3. The typical rent in Villa Rica is $1,547 a month, 34% more than in Carroll County as a whole ($1,153).

  4. Nearby, in Temple, the typical home value is $232,800: 15% less than in Villa Rica ($274,200).

  5. The typical household income in Villa Rica is $87,803, 19% more than in Carroll County as a whole ($73,714).

  6. 65% of households in Villa Rica own their home, against 71% in Carroll County.

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Villa Rica

What homes there are in Villa Rica, 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 79% of homes here, against 73% in Carroll County.

Year built

The typical home in Villa Rica was built in 2003, 12 years after the typical one in Carroll County.

Much as in Carroll County, 75% of homes in Villa Rica have 3 bedrooms or more.

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

$1,574 a month

Carroll County: $1,477 a month

Without a mortgage

$623 a month

Carroll County: $498 a month

Owners with a mortgage

81%

Carroll County: 59%

The typical cost for an owner with a mortgage in Villa Rica is $1,574 a month, more than in Carroll County ($1,477); without one, $623.

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 Villa Rica rose 68%; in Carroll County, it rose 85%.

The typical rent in Villa Rica rose 44% over the same time; in Carroll County, it rose 32%.

Here income did not keep up with housing: it rose 39%, while home values changed +68% and rent +44%.

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

MeasureVilla RicaCarroll CountyGeorgiaUnited States
Rental vacancy Unreliable estimate3.0%6.8%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.1%0.9%
More than one person per room Unreliable estimate2.6%2.4%3.4%
People per household 3.032.752.622.53
Drive alone 76%75%71%69%
Carpool 8%12%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate2%1%3%
Work from home 14%10%16%15%
Other means Unreliable estimate1%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Villa Rica has 3.03 people, more than in Carroll County (2.75).

Working from home is more common in Villa Rica: 14%, against 10% in Carroll County.

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 Villa Rica?

A typical home is tight for the typical income

We start with a typical home in Villa Rica, worth $274,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 31% of the typical household income in Villa Rica, which is $87,803 a year. For that payment to be 28% of income, a household would need to earn about $96,486 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Villa Rica. 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 $9,597 (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

$2,251

at 7.18% · 30 years

Loan amount
$269,234
Total interest
$387,364
Paid off in
November 2056

Includes $4,631 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,049 a month

  • Tight

    $2,049 to $2,634 a month

    Your payment · 31%

  • Hard

    more than $2,634 a month

Compared with the typical household income in Villa Rica ($87,803 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,251
Principal & interest$1,824
Property tax$192
Home insurance$114
FHA mortgage insurance (MIP)$121

You need at least $9,597 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

Villa Rica and Carroll County

Villa Rica is in Carroll 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).

Villa Rica's own numbers

Typical home value
$274,200
Typical monthly rent
$1,547
Typical yearly household income
$87,803
Households that own their home
65%
Effective property tax rate
0.84%

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

Numbers for all of Carroll 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)
+59%
Homes in a high flood-risk zone
1%

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 Carroll County.

Everything about Carroll County

Buying

Buying a home in Villa Rica

A typical home in Villa Rica is worth $274,200: 7% above the county and 10% below Georgia. With the typical household income in Villa Rica ($87,803 a year), a typical home costs 3.1 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.

  • Villa Rica 3.1 years
  • Carroll 3.5 years
  • Georgia 3.9 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Carroll County

According to FHFA’s house price index, home prices in Carroll County rose 122% in the 10 years through 2025.

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

Period County Georgia U.S.
Last year (2025) +1.0% +2.2% +2.9%
5 years (2020–2025) +59% +58% +47%
10 years (2015–2025) +122% +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

Villa Rica next to Carroll 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
  • Villa Rica $274,200
  • Carroll $255,100
  • Georgia $303,300
  • United States $332,700
Typical monthly rent
  • Villa Rica $1,547
  • Carroll $1,153
  • Georgia $1,393
  • United States $1,413
Typical yearly household income
  • Villa Rica $87,803
  • Carroll $73,714
  • Georgia $77,353
  • United States $80,734
See the full table
Villa Rica next to Carroll County and Georgia
Measure Villa Rica Carroll County Georgia U.S.
Typical home value $274,200 $255,100 $303,300 $332,700
Typical monthly rent $1,547 $1,153 $1,393 $1,413
Typical yearly household income $87,803 $73,714 $77,353 $80,734
Households that own their home 65% 71% 66% 65%
Typical yearly property tax $2,295 $1,566 $2,341 $3,119
Effective property tax rate 0.84% 0.61% 0.77% 0.94%
Renters with high rent for their income 33% 52% 52% 51%

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

For a typical $274,200 home in Villa Rica, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Villa Rica's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,251a month

    Least cash to close
    Down payment
    $9,597
    Cash to close
    $17,823
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $121

  • Conventional, 5% down $2,201a month

    Down payment
    $13,710
    Cash to close
    $21,936
    Rate
    7.18%
    Mortgage insurance
    PMI · $130

  • Conventional, 20% down, no PMI $1,792a month

    Down payment
    $54,840
    Cash to close
    $63,066
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,046a month

    Down payment
    $41,130
    Cash to close
    $49,356
    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 Villa Rica and for Carroll County.

Property tax

Effective rate in Villa Rica

0.84%of the home’s value each year

$2,295 a year for the typical owner in Villa Rica.

  • Villa Rica 0.84%
  • Carroll 0.61%
  • Georgia 0.77%

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

Exemptions and deadlines in Georgia

Flood risk in Carroll County

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

Homes in the high-risk zone
1%
425
Of those, with NFIP insurance
18%
County Georgia U.S.
Homes in the high-risk zone 1% 2% 3.5%
Of those, with NFIP insurance 18% 43% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Villa Rica

Typical rent in Villa Rica is $1,547 a month: 34% above the county. In Villa Rica, 33% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Carroll 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 Carroll 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 Villa Rica

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Villa Rica is in ZIP code 30180.

For 2 bedrooms it is $1,620: $142 less than the fair market rent for Carroll County ($1,762).

  • 30180 $1,620$1,930

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

HUD lists 5 buildings with rents for lower incomes in Villa Rica. These are the largest.

  • Hickory Falls Apartments 801 Hickory Level Rd, Villa Rica 30180 220 homes, 176 low-income · In service since 2004
  • Nunley Homes 506 Horace Luther Drive, Villa Rica 30180 38 low-income homes · For families (770) 366-2961
  • Walton Trail Phase 2 400 Walton Way, Villa Rica 30180 143 homes, 35 low-income · For families (678) 788-6853
  • Anderson Homes 301 Anderson Rd, Villa Rica 30180 25 low-income homes · For families (770) 366-2961
  • Auburn Homes 187 Cleghorn St, Villa Rica 30180 16 low-income homes · For families (770) 366-2961

See all 18 buildings in Carroll County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Villa Rica

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

A young man and a young woman look something up together on a laptop.

HUD counseling is free or low-cost

Assistance programs in Villa Rica

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

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

  • Nid-Hca Georgia

    4788 Jonesboro Rd, Bldg B, Ste1, Union City · 24 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 10 more
    (678) 735-6550

  • Nid-Hca Emerson

    4710 Washington Road, College Park · 26 miles away

    • Mortgage delinquency and default
    • Home improvement and repairs
    • and 4 more
    (404) 410-6689

  • Operation Hope- Atlanta- Martin Luther King JR

    3857 Main St, College Park · 28 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 2 more
    (470) 223-0285

All counseling agencies in Georgia

Help in Spanish near Villa Rica

None of the 3 agencies on this list say they serve 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 Villa Rica

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

  • Housing Authority of the City of Villa Rica Public housing (770) 456-4946

2 other authorities have an office in Carroll County: see the list Source: HUD

Cities

Other cities in Carroll County

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

Everything about Carroll County Housing in Georgia

Nearby cities

The cities closest to Villa Rica, with the typical home value.

Neighboring counties

If Carroll 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 Villa Rica.

All guides
A mother holding her baby watches her daughter blow bubbles outdoors.

Questions

Housing questions about Villa Rica

Short answers with the numbers for Villa Rica and all of Carroll 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 Villa Rica?

The typical home value in Villa Rica is $274,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Carroll County it is $255,100.

How much does it cost to rent in Villa Rica?

Typical rent in Villa Rica is $1,547 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Carroll County is $1,762.

What is the FHA loan limit in Villa Rica?

Villa Rica uses the FHA limit for all of Carroll 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 Villa Rica?

The typical homeowner in Villa Rica pays $2,295 a year, according to the U.S. Census Bureau. That is 0.84% of the home’s value; in Carroll County, the rate is 0.61%.

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

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