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City · 19,437 residents · Barrow County, Georgia

Winder , Georgia

In Winder, a typical home is worth $288,500 and typical rent is $1,209 a month. Compared with all of Barrow County, typical household income is 21% lower, typical rent is 8% lower, and the share of households that own their home is 12 points lower.

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  • Typical home value

    $288,500

    2% below the county

    5% below Georgia

    • Winder
    • Barrow
    • Georgia

  • Typical rent

    $1,209a month

    8% below the county

    13% below Georgia

    • Winder
    • Barrow
    • Georgia

  • Typical household income

    $63,779a year

    21% below the county

    18% below Georgia

    • Winder
    • Barrow
    • Georgia

  • Households that own their home

    67%

    12 points below the county

    1 points above Georgia

    • Winder
    • Barrow
    • Georgia

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

Market now, with Zillow data

Zillow data
Typical home value
$341,791
0.7% less than 12 months ago
Typical rent
$2,081 a month
3.2% more than 12 months ago

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

Winder is in Barrow 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 Barrow County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Winder apart

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

  1. The typical household income in Winder is $63,779, 21% less than in Barrow County as a whole ($80,653).

  2. 67% of households in Winder own their home, against 79% in Barrow County.

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

The homes here

Housing in Winder

What homes there are in Winder, 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

The detached house is still the most common home in Winder, but it weighs less than in Barrow County: 73% against 84%.

Year built

In Winder, half of the homes were built before 1998; in Barrow County, before 2001.

There are fewer big homes in Winder than in Barrow County: 78% have 3 bedrooms or more, against 87%.

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

$1,700 a month

Barrow County: $1,587 a month

Without a mortgage

$517 a month

Barrow County: $520 a month

Owners with a mortgage

72%

Barrow County: 70%

In Winder, 72% of owners have a mortgage, and their typical cost is $1,700 a month, against $1,587 in Barrow County. Without one it drops to $517.

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 Winder rose 77%; in Barrow County, it rose 85%.

Much as in Barrow County, the typical rent in Winder rose 33% since 2015–2019.

While home values in Winder changed +77% and rent +33%, the typical household income rose 32%.

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

MeasureWinderBarrow 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 estimate2.3%2.4%3.4%
People per household 2.592.912.622.53
Drive alone 80%78%71%69%
Carpool 12%11%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimateUnreliable estimate1%3%
Work from home 7%9%16%15%
Other means Unreliable estimate1%2%2%
Typical commute 30 to 39 minutes30 to 39 minutes20 to 29 minutes20 to 29 minutes

Households in Winder are smaller: 2.59 people on average; in Barrow County, 2.91.

In Winder, 80% of workers drive alone to work; in Barrow County, 78%.

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 Winder?

A typical home costs more than the typical income allows

We start with a typical home in Winder, worth $288,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 44% of the typical household income in Winder, which is $63,779 a year. For that payment to be 28% of income, a household would need to earn about $101,312 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Winder. 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 $10,098 (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

$2,364

at 7.18% · 30 years

Loan amount
$283,274
Total interest
$407,565
Paid off in
November 2056

Includes $4,872 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,488 a month

  • Tight

    $1,488 to $1,913 a month

  • Hard

    more than $1,913 a month

    Your payment · 44%

Compared with the typical household income in Winder ($63,779 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,364
Principal & interest$1,919
Property tax$197
Home insurance$120
FHA mortgage insurance (MIP)$128

You need at least $10,098 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

Winder and Barrow County

Winder is in Barrow 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).

Winder's own numbers

Typical home value
$288,500
Typical monthly rent
$1,209
Typical yearly household income
$63,779
Households that own their home
67%
Effective property tax rate
0.82%

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

Numbers for all of Barrow 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)
+68%
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 Barrow County.

Everything about Barrow County

Buying

Buying a home in Winder

A typical home in Winder is worth $288,500: 2% below the county and 5% below Georgia. With the typical household income in Winder ($63,779 a year), a typical home costs 4.5 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.

  • Winder 4.5 years
  • Barrow 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 Barrow County

According to FHFA’s house price index, home prices in Barrow County rose 149% in the 10 years through 2025.

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

Period County Georgia U.S.
Last year (2025) +1.0% +2.2% +2.9%
5 years (2020–2025) +68% +58% +47%
10 years (2015–2025) +149% +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

Winder next to Barrow 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
  • Winder $288,500
  • Barrow $294,700
  • Georgia $303,300
  • United States $332,700
Typical monthly rent
  • Winder $1,209
  • Barrow $1,318
  • Georgia $1,393
  • United States $1,413
Typical yearly household income
  • Winder $63,779
  • Barrow $80,653
  • Georgia $77,353
  • United States $80,734
See the full table
Winder next to Barrow County and Georgia
Measure Winder Barrow County Georgia U.S.
Typical home value $288,500 $294,700 $303,300 $332,700
Typical monthly rent $1,209 $1,318 $1,393 $1,413
Typical yearly household income $63,779 $80,653 $77,353 $80,734
Households that own their home 67% 79% 66% 65%
Typical yearly property tax $2,372 $2,307 $2,341 $3,119
Effective property tax rate 0.82% 0.78% 0.77% 0.94%
Renters with high rent for their income 48% 46% 52% 51%

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

For a typical $288,500 home in Winder, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Winder's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,364a month

    Least cash to close
    Down payment
    $10,098
    Cash to close
    $18,753
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $128

  • Conventional, 5% down $2,311a month

    Down payment
    $14,425
    Cash to close
    $23,080
    Rate
    7.18%
    Mortgage insurance
    PMI · $137

  • Conventional, 20% down, no PMI $1,881a month

    Down payment
    $57,700
    Cash to close
    $66,355
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,148a month

    Down payment
    $43,275
    Cash to close
    $51,930
    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 Winder and for Barrow County.

Property tax

Effective rate in Winder

0.82%of the home’s value each year

$2,372 a year for the typical owner in Winder.

  • Winder 0.82%
  • Barrow 0.78%
  • Georgia 0.77%

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

Exemptions and deadlines in Georgia

Flood risk in Barrow County

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

Homes in the high-risk zone
1%
287
Of those, with NFIP insurance
4.5%
County Georgia U.S.
Homes in the high-risk zone 1% 2% 3.5%
Of those, with NFIP insurance 4.5% 43% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Winder

Typical rent in Winder is $1,209 a month: 8% below the county. In Winder, 48% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Barrow 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 Barrow 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 Winder

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Winder is in ZIP code 30680.

For 2 bedrooms it is $1,340: $422 less than the fair market rent for Barrow County ($1,762).

  • 30680 $1,340$1,600

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

HUD lists 9 buildings with rents for lower incomes in Winder. These are the largest.

  • Crescent Residential Properties of Winder 29 Marion Lay St, Winder 30680 282 low-income homes · For families (770) 867-7495
  • Farmington Hills Phase I 1506 Farmington Way, Winder 30680 72 low-income homes · 1 bd: 13 · 2 bd: 35 · 3 bd: 24 · In service since 2012
  • Farmington Hills, Phase II 1525 Farmington Way, Winder 30680 72 low-income homes · 1 bd: 12 · 2 bd: 36 · 3 bd: 24 · In service since 2014 (770) 885-5866
  • Rock Springs Apartments 187 S Broad St, Winder 30680 48 low-income homes · 1 bd: 16 · 2 bd: 32 · In service since 2019 · For families
  • Innovation Properties 56 Maynard St, Winder 30680 40 low-income homes · For families (770) 867-7495

See all 14 buildings in Barrow County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Winder

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

A man leans over the armchair to help a teenage girl with her book.

HUD counseling is free or low-cost

Assistance programs in Winder

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

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

  • Hancock Community Development Corporation

    300 Henderson Ext, Athens · 19 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 5 more
    (877) 284-4326

  • Athens Land Trust, Inc

    685 N Pope St, Athens · 19 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    (706) 613-0122

  • The Homeowners Employment Corporation

    1500 Klondike Rd SW, Conyers · 29 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 5 more
    404-492-6554-503

All counseling agencies in Georgia

Help in Spanish near Winder

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 Winder

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

  • Housing Authority of the City of Winder Public housing (770) 867-7495

All housing agencies in Georgia Source: HUD

Cities

Other cities in Barrow County

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

Everything about Barrow County Housing in Georgia

Nearby cities

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

Neighboring counties

If Barrow 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 Winder.

All guides
A father, a mother and their daughter smile among the avocado trees by their home in Somis, California.

Questions

Housing questions about Winder

Short answers with the numbers for Winder and all of Barrow 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 Winder?

The typical home value in Winder is $288,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Barrow County it is $294,700.

How much does it cost to rent in Winder?

Typical rent in Winder is $1,209 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Barrow County is $1,762.

What is the FHA loan limit in Winder?

Winder uses the FHA limit for all of Barrow 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 Winder?

The typical homeowner in Winder pays $2,372 a year, according to the U.S. Census Bureau. That is 0.82% of the home’s value; in Barrow County, the rate is 0.78%.

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

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