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City · 37,381 residents · Cherokee County, Georgia

Woodstock , Georgia

In Woodstock, a typical home is worth $436,500 and typical rent is $1,821 a month. Compared with all of Cherokee County, the share of households that own their home is 13 points lower.

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  • Typical home value

    $436,500

    About the same as the county

    44% above Georgia

    • Woodstock
    • Cherokee
    • Georgia

  • Typical rent

    $1,821a month

    About the same as the county

    31% above Georgia

    • Woodstock
    • Cherokee
    • Georgia

  • Typical household income

    $103,496a year

    4% below the county

    34% above Georgia

    • Woodstock
    • Cherokee
    • Georgia

  • Households that own their home

    64%

    13 points below the county

    2 points below Georgia

    • Woodstock
    • Cherokee
    • Georgia

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

Market now, with Zillow data

Zillow data
Typical home value
$454,214
2% less than 12 months ago
Typical rent
$2,074 a month
3% more than 12 months ago

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

Woodstock is in Cherokee 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 Cherokee County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Woodstock apart

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

  1. Nearby, in Kennesaw, the typical home value is $335,400: 23% less than in Woodstock ($436,500).

  2. 64% of households in Woodstock own their home, against 77% in Cherokee County.

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

The homes here

Housing in Woodstock

What homes there are in Woodstock, 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

In Woodstock, 6 in 10 homes are single-family detached houses; in Cherokee County, 8.

Year built

Here half of the homes date from 2005 or later; in Cherokee County, from 2001 or later.

There are fewer big homes in Woodstock than in Cherokee County: 70% have 3 bedrooms or more, against 82%.

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

$2,066 a month

Cherokee County: $2,032 a month

Without a mortgage

$593 a month

Cherokee County: $616 a month

Owners with a mortgage

81%

Cherokee County: 70%

The typical cost for an owner with a mortgage in Woodstock is $2,066 a month, near the figure in Cherokee County ($2,032).

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 Woodstock rose 79%; in Cherokee County, it rose 72%.

The typical rent in Woodstock rose 36% over the same time; in Cherokee County, it rose 45%.

While home values in Woodstock changed +79% and rent +36%, the typical household income rose 36%.

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

MeasureWoodstockCherokee CountyGeorgiaUnited States
Rental vacancy Unreliable estimate6.1%6.8%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.1%0.9%
More than one person per room Unreliable estimate1.2%2.4%3.4%
People per household 2.512.752.622.53
Drive alone 66%68%71%69%
Carpool 7%8%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate1%1%3%
Work from home 25%22%16%15%
Other means Unreliable estimate1%2%2%
Typical commute Unreliable estimate30 to 39 minutes20 to 29 minutes20 to 29 minutes

Fewer people live in each home here: 2.51 on average, against 2.75 in Cherokee County.

To get to work, 66% of workers in Woodstock drive alone; in Cherokee County, 68%.

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 Woodstock?

A typical home costs more than the typical income allows

We start with a typical home in Woodstock, worth $436,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 41% of the typical household income in Woodstock, which is $103,496 a year. For that payment to be 28% of income, a household would need to earn about $152,194 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Woodstock. 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 $15,278 (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

$3,551

at 7.18% · 30 years

Loan amount
$428,593
Total interest
$616,645
Paid off in
November 2056

Includes $7,371 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,415 a month

  • Tight

    $2,415 to $3,105 a month

  • Hard

    more than $3,105 a month

    Your payment · 41%

Compared with the typical household income in Woodstock ($103,496 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,551
Principal & interest$2,903
Property tax$273
Home insurance$182
FHA mortgage insurance (MIP)$193

You need at least $15,278 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

Woodstock and Cherokee County

Woodstock is in Cherokee 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).

Woodstock's own numbers

Typical home value
$436,500
Typical monthly rent
$1,821
Typical yearly household income
$103,496
Households that own their home
64%
Effective property tax rate
0.75%

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

Numbers for all of Cherokee 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)
+67%
Homes in a high flood-risk zone
0.2%

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 Cherokee County.

Everything about Cherokee County

Buying

Buying a home in Woodstock

A typical home in Woodstock is worth $436,500: about the same as the county and 44% above Georgia. With the typical household income in Woodstock ($103,496 a year), a typical home costs 4.2 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.

  • Woodstock 4.2 years
  • Cherokee 4.0 years
  • Georgia 3.9 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Cherokee County

According to FHFA’s house price index, home prices in Cherokee County rose 138% in the 10 years through 2025.

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

Period County Georgia U.S.
Last year (2025) +2.0% +2.2% +2.9%
5 years (2020–2025) +67% +58% +47%
10 years (2015–2025) +138% +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

Woodstock next to Cherokee 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
  • Woodstock $436,500
  • Cherokee $435,100
  • Georgia $303,300
  • United States $332,700
Typical monthly rent
  • Woodstock $1,821
  • Cherokee $1,799
  • Georgia $1,393
  • United States $1,413
Typical yearly household income
  • Woodstock $103,496
  • Cherokee $108,115
  • Georgia $77,353
  • United States $80,734
See the full table
Woodstock next to Cherokee County and Georgia
Measure Woodstock Cherokee County Georgia U.S.
Typical home value $436,500 $435,100 $303,300 $332,700
Typical monthly rent $1,821 $1,799 $1,393 $1,413
Typical yearly household income $103,496 $108,115 $77,353 $80,734
Households that own their home 64% 77% 66% 65%
Typical yearly property tax $3,290 $2,985 $2,341 $3,119
Effective property tax rate 0.75% 0.69% 0.77% 0.94%
Renters with high rent for their income 59% 57% 52% 51%

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

For a typical $436,500 home in Woodstock, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Woodstock's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,551a month

    Least cash to close
    Down payment
    $15,278
    Cash to close
    $28,373
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $193

  • Conventional, 5% down $3,471a month

    Down payment
    $21,825
    Cash to close
    $34,920
    Rate
    7.18%
    Mortgage insurance
    PMI · $207

  • Conventional, 20% down, no PMI $2,820a month

    Down payment
    $87,300
    Cash to close
    $100,395
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,224a month

    Down payment
    $65,475
    Cash to close
    $78,570
    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 Woodstock and for Cherokee County.

Property tax

Effective rate in Woodstock

0.75%of the home’s value each year

$3,290 a year for the typical owner in Woodstock.

  • Woodstock 0.75%
  • Cherokee 0.69%
  • Georgia 0.77%

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

Exemptions and deadlines in Georgia

Flood risk in Cherokee County

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

Homes in the high-risk zone
0.2%
187
Of those, with NFIP insurance
34%
County Georgia U.S.
Homes in the high-risk zone 0.2% 2% 3.5%
Of those, with NFIP insurance 34% 43% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Woodstock

Typical rent in Woodstock is $1,821 a month: about the same as the county. In Woodstock, 59% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Cherokee 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 Cherokee 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 Woodstock

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Woodstock has 2 ZIP codes with their own.

For 2 bedrooms it runs from $1,970 in 30188 to $1,990 in 30189.

2 of the 2 are above the fair market rent for Cherokee County ($1,762).

  • 30188 $1,970$2,350
  • 30189 $1,990$2,370

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

HUD lists 6 buildings with rents for lower incomes in Woodstock. These are the largest.

  • Columbia Creek 100 Sandy Cir, Woodstock 30188 172 homes, 137 low-income · 2 bd: 95 · 3 bd: 42 · In service since 2001
  • Colbert Square 211 Woodpark Pl, Woodstock 30188 70 low-income homes · For older adults (770) 926-5506
  • CRS Grimes Road, Inc. 255 Grimes Rd, Woodstock 30188 5 homes, 4 low-income · For people with disabilities (770) 345-7682
  • Alta Ridge Walk 1 Elena Way, Woodstock 30188 340 homes · In service since 2004
  • Riverstock Fka Columbia Creek 50 Sandy Cir, Woodstock 30188 172 homes · In service since 2001

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

Free help

Help to buy or rent in Woodstock

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.

There is 1 HUD-approved agency with an office in Cherokee County; 1 says it serves in Spanish.

A man leans over the armchair where a girl is reading a book.

HUD counseling is free or low-cost

Assistance programs in Woodstock

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

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

  • Horizon Counseling Inc.

    135 Village Ctr W Ste 200, Woodstock · 3 miles away · Spanish

    • Reverse mortgage counseling
    (888) 315-4326

  • National Faith Homebuyers, Atlanta Branch

    2470 Windy Hill Rd SE, Marietta · 14 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    (678) 553-3770

  • NSC (naca Counseling Subsidiary) - Atlanta, GA

    3690 N Peachtree Rd, Atlanta · 19 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (404) 377-4545

Every agency in Cherokee County All counseling agencies in Georgia

Help in Spanish near Woodstock

2 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 Woodstock

In HUD’s record, no housing authority with an office in Cherokee County is named for Woodstock or Cherokee County.

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

Cities

Other cities in Cherokee County

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

Everything about Cherokee County Housing in Georgia

Nearby cities

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

Neighboring counties

If Cherokee 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 Woodstock.

All guides
A father smiles as he carries his baby on his shoulders outdoors.

Questions

Housing questions about Woodstock

Short answers with the numbers for Woodstock and all of Cherokee 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 Woodstock?

The typical home value in Woodstock is $436,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Cherokee County it is $435,100.

How much does it cost to rent in Woodstock?

Typical rent in Woodstock is $1,821 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Cherokee County is $1,762.

What is the FHA loan limit in Woodstock?

Woodstock uses the FHA limit for all of Cherokee 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 Woodstock?

The typical homeowner in Woodstock pays $3,290 a year, according to the U.S. Census Bureau. That is 0.75% of the home’s value; in Cherokee County, the rate is 0.69%.

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

There is 1 HUD-approved counseling agency with an office in Cherokee County. 1 says it serves in Spanish. 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).