In Waynesboro, a typical home is worth $161,500 and typical rent is $746 a month. Compared with all of Burke County, typical household income is 21% lower, the typical home value is 7% higher, and the share of households that own their home is 41 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $141,998 to $182,828.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Waynesboro is in Burke 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 Burke County. See the county
What this place has that others do not, from public data, most unusual first.
1
29% of households in Waynesboro own their home, against 70% in Burke County.
2
According to Zillow, in the 12 months to September 2026 the typical home value in Waynesboro rose 8.4%; in Georgia, it fell 0.6%.
3
Waynesboro has the 6th lowest typical rent of the 162 cities in Georgia with more than 5,000 people ($746).
4
The typical household income in Waynesboro is $41,620,21% less than in Burke County as a whole ($53,014).
Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data
The homes here
Housing in Waynesboro
What homes there are in Waynesboro, 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
Waynesboro
Burke County
Georgia
United States
Kind of home: Waynesboro and its comparisons
Measure
Waynesboro
Burke County
Georgia
United States
Detached house
60%
58%
66%
61%
Attached house
Unreliable estimate
Unreliable estimate
4%
6%
Building of 2 to 4
28%
8%
5%
8%
Apartments (5 or more)
Unreliable estimate
Unreliable estimate
16%
19%
Mobile home
Unreliable estimate
30%
8%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Waynesboro, 6 in 10 homes are single-family detached houses, about the same as in Burke County.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Waynesboro
Burke County
Georgia
United States
Year built: Waynesboro and its comparisons
Measure
Waynesboro
Burke County
Georgia
United States
Before 1960
42%
21%
12%
26%
1960–1979
35%
27%
20%
24%
1980–1999
13%
28%
33%
25%
2000–2009
Unreliable estimate
9%
21%
14%
2010 or later
Unreliable estimate
16%
14%
11%
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200KUnreliable
$200K–$300KUnreliable
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Waynesboro and its comparisons
Measure
Waynesboro
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
Unreliable estimate
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable
$750K–$1M
Unreliable
$1M or more
Unreliable
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $50031%
$500–$99953%
$1,000–$1,499Unreliable
HUD fair market rent, 2 bedrooms: $1,329
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Waynesboro and its comparisons
Measure
Waynesboro
Under $500
31%
$500–$999
53%
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a HUD fair market rent of $1,329 for 2 bedrooms, at least 84% of rented homes in Waynesboro sit below it.
With a mortgage
$1,379 a month
Burke County: $1,394 a month
Without a mortgage
$507 a month
Burke County: $435 a month
Owners with a mortgage
45%
Burke County: 42%
The typical cost for an owner with a mortgage in Waynesboro is $1,379 a month, near the figure in Burke County ($1,394).
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
WaynesboroNo clear change
Burke County+71%
Georgia+72%
United States+53%
Typical rent
Waynesboro+33%
Burke County+23%
Georgia+39%
United States+33%
Typical household income
Waynesboro+42%
Burke County+20%
Georgia+32%
United States+29%
Change since 2015–2019: Waynesboro and its comparisons
Measure
Waynesboro
Burke County
Georgia
United States
Typical home value
No clear change
+71%
+72%
+53%
Typical rent
+33%
+23%
+39%
+33%
Typical household income
+42%
+20%
+32%
+29%
Since 2015–2019, home values in Waynesboro moved so little that the Census cannot say whether they rose or fell.
Rents in Waynesboro rose faster than in Burke County: 33% since 2015–2019, against 23%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Waynesboro and its comparisons
Measure
Waynesboro
Burke 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
Unreliable estimate
2.4%
3.4%
People per household
2.53
2.64
2.62
2.53
Drive alone
78%
79%
71%
69%
Carpool
Unreliable estimate
10%
9%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
Unreliable estimate
1%
3%
Work from home
Unreliable estimate
8%
16%
15%
Other means
Unreliable estimate
Unreliable estimate
2%
2%
Typical commute
Unreliable estimate
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
Much as in Burke County, a household in Waynesboro has 2.53 people on average.
In Waynesboro, 78% of workers drive alone to work; in Burke County, 79%.
Do the math
What would you pay each month for a home in Waynesboro?
A typical home costs more than the typical income allows
We start with a typical home in Waynesboro, worth $161,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 38% of the typical household income in Waynesboro, which is $41,620 a year. For that payment to be 28% of income, a household would need to earn about $56,195 a year.
The calculator's FHA and conventional loan limits are those of all of Burke 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 Waynesboro. 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 $5,653 (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
$1,311
at 7.18% · 30 years
Loan amount
$158,574
Total interest
$228,151
Paid off in
November 2056
Includes $2,727 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $971 a month
Tight
$971 to $1,249 a month
Hard
more than $1,249 a month
Your payment · 38%
Compared with the typical household income in Waynesboro ($41,620 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,074
Property tax
$98
Home insurance
$67
FHA mortgage insurance (MIP)
$71
You need at least $5,653 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 $1,311; principal and interest $1,074.
The city and its county
Waynesboro and Burke County
Waynesboro is in Burke 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).
Waynesboro
Map of Burke County, Georgia, with Waynesboro marked. Around it, the neighboring counties.
Waynesboro
Burke County
Other cities with a page
Waynesboro's own numbers
Typical home value
$161,500
Typical monthly rent
$746
Typical yearly household income
$41,620
Households that own their home
29%
Effective property tax rate
0.73%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Burke County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,329
Price change over 5 years (FHFA)
+47%
Homes in a high flood-risk zone
0.9%
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 Burke County.
A typical home in Waynesboro is worth $161,500: 7% above the county and 47% below Georgia. With the typical household income in Waynesboro ($41,620 a year), a typical home costs 3.9 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.
Waynesboro3.9 years
Burke2.9 years
Georgia3.9 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Burke County
According to FHFA’s house price index, home prices in Burke County rose 81% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Burke County.
Yearly change in FHFA’s price index in Burke County, 2016 to 2025
2016: +0.1% +0.1% 2016
2017: +9.1% +9.1% 2017
2018: +4.5% +4.5% 2018
2019: +3.5% +3.5% 2019
2020: +4.3% +4.3% 2020
2021: +14.1% +14.1% 2021
2022: +17.3% +17.3% 2022
2023: +12.7% +12.7% 2023
2024: −10.7% −10.7% 2024
2025: +8.8% +8.8% 2025
Change in FHFA’s price index in Burke County, Georgia and the United States
Period
County
Georgia
U.S.
Last year (2025)
+8.8%
+2.2%
+2.9%
5 years (2020–2025)
+47%
+58%
+47%
10 years (2015–2025)
+81%
+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
Waynesboro next to Burke 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
Waynesboro$161,500
Burke$151,600
Georgia$303,300
United States$332,700
Typical monthly rent
Waynesboro$746
Burke$758
Georgia$1,393
United States$1,413
Typical yearly household income
Waynesboro$41,620
Burke$53,014
Georgia$77,353
United States$80,734
See the full table
Waynesboro next to Burke County and Georgia
Measure
Waynesboro
Burke County
Georgia
U.S.
Typical home value
$161,500 ▲7% above the county
$151,600
$303,300
$332,700
Typical monthly rent
$746
$758
$1,393
$1,413
Typical yearly household income
$41,620 ▼21% below the county
$53,014
$77,353
$80,734
Households that own their home
29% ▼41 points below the county
70%
66%
65%
Typical yearly property tax
$1,171 ▲14% above the county
$1,025
$2,341
$3,119
Effective property tax rate
0.73% ▲0.05 points above the county
0.68%
0.77%
0.94%
Renters with high rent for their income
48%
47%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Burke 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 Waynesboro
For a typical $161,500 home in Waynesboro, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Waynesboro's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,311a month
Least cash to close
Down payment
$5,653
Cash to close
$10,498
Rate
7.18%
Mortgage insurance
FHA MIP · $71
Conventional, 5% down$1,282a month
Down payment
$8,075
Cash to close
$12,920
Rate
7.18%
Mortgage insurance
PMI · $77
Conventional, 20% down, no PMI$1,041a month
Down payment
$32,300
Cash to close
$37,145
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,190a month
Down payment
$24,225
Cash to close
$29,070
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Waynesboro
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,311
$5,653
$158,575
7.18%
FHA MIP · $71
$10,498
580
Conventional, 5% down
$1,282
$8,075
$153,425
7.18%
PMI · $77
$12,920
620*
Conventional, 20% down, no PMI
$1,041
$32,300
$129,200
7.18%
None
$37,145
620*
ITIN, 15% down (example)
$1,190
$24,225
$137,275
8.18%
None
$29,070
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 Waynesboro is $746 a month: about the same as the county. In Waynesboro, 48% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Burke County, by unit size. To pay the 2-bedroom one ($1,329 a month) without spending more than 30% of your income, you would need to earn $25.56 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 Burke County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$997
$19.17
$39,880
1 bedroom
$1,202
$23.12
$48,080
2 bedrooms
$1,329
$25.56
$53,160
3 bedrooms
$1,672
$32.15
$66,880
4 bedrooms
$2,035
$39.13
$81,400
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 Waynesboro
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Waynesboro is in ZIP code 30830.
For 2 bedrooms it is $1,090: $239 less than the fair market rent for Burke County ($1,329).
Fair market rent by ZIP code and size in Waynesboro, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
30830
$820
$990
$1,090
$1,370
$1,670
ZIP code2 bd3 bd
30830 $1,090$1,370
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Waynesboro 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 15 buildings with rents for lower incomes in Waynesboro. These are the largest.
Project Unnamed19 Magnolia Acres Dr, Waynesboro 30830275 low-income homes · Run by Housing Authority of the City of Waynesboro · Average payment: $348 a month · Average wait: 12 months(706) 554-2233
Burkestone Place803 Davis Rd, Waynesboro 3083070 homes, 69 low-income · 1 bd: 30 · 2 bd: 24 · 3 bd: 12 · 4 bd: 4 · In service since 2006 · For older adults(706) 554-5379
Briarwood Apartments701 Briarwood Ct, Waynesboro 3083064 low-income homes · For families(706) 554-4800
Pecan Grove Homes Phase II100 Pecan Grove Dr, Waynesboro 3083064 homes, 51 low-income · 3 bd: 44 · 4 bd: 20 · In service since 2007
Pine Trails100 Pine Trails Dr, Waynesboro 3083060 homes, 51 low-income · 1 bd: 8 · 2 bd: 36 · 3 bd: 16 · In service since 2018 · For families(706) 622-6686
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 Burke 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 Waynesboro or Burke County. The ones below are statewide in Georgia: they work in Waynesboro 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 Waynesboro or Burke 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 Waynesboro and all of Burke 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 Waynesboro?
The typical home value in Waynesboro is $161,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Burke County it is $151,600.
How much does it cost to rent in Waynesboro?
Typical rent in Waynesboro is $746 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Burke County is $1,329.
What is the FHA loan limit in Waynesboro?
Waynesboro uses the FHA limit for all of Burke 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 Waynesboro?
The typical homeowner in Waynesboro pays $1,171 a year, according to the U.S. Census Bureau. That is 0.73% of the home’s value; in Burke County, the rate is 0.68%.
Where can I find free help to buy or rent in Waynesboro?
We found no HUD-approved counseling agencies with an office in Burke County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
