In Atlanta, a typical home is worth $160,100 and typical rent is $924 a month. Compared with all of Cass County, typical household income is 12% higher, the typical home value is 9% higher, and the share of households that own their home is 8 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $179,776 to $164,293.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Atlanta is in Cass 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 Cass County. See the county
What this place has that others do not, from public data, most unusual first.
1
69% of households in Atlanta own their home, against 77% in Cass County.
2
13% of households in Atlanta have no internet at home (18% in Cass County).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Atlanta
What homes there are in Atlanta, 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
Atlanta
Cass County
Texas
United States
Kind of home: Atlanta and its comparisons
Measure
Atlanta
Cass County
Texas
United States
Detached house
72%
74%
64%
61%
Attached house
Unreliable estimate
Unreliable estimate
3%
6%
Building of 2 to 4
Unreliable estimate
7%
5%
8%
Apartments (5 or more)
Unreliable estimate
Unreliable estimate
21%
19%
Mobile home
Unreliable estimate
17%
6%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Atlanta, 7 in 10 homes are single-family detached houses, about the same as in Cass County.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Atlanta
Cass County
Texas
United States
Year built: Atlanta and its comparisons
Measure
Atlanta
Cass County
Texas
United States
Before 1960
25%
19%
12%
26%
1960–1979
44%
30%
21%
24%
1980–1999
28%
28%
28%
25%
2000–2009
Unreliable estimate
10%
18%
14%
2010 or later
Unreliable estimate
13%
21%
11%
Homes in Atlanta are older: the typical year built is 1975; in Cass County, 1980.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K30%
$100K–$200K36%
$200K–$300KUnreliable
$300K–$500K19%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Atlanta and its comparisons
Measure
Atlanta
Under $100K
30%
$100K–$200K
36%
$200K–$300K
Unreliable estimate
$300K–$500K
19%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99937%
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Atlanta and its comparisons
Measure
Atlanta
Under $500
Unreliable estimate
$500–$999
37%
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
With a mortgage
$1,407 a month
Cass County: $1,351 a month
Without a mortgage
$614 a month
Cass County: $464 a month
Owners with a mortgage
50%
Cass County: 36%
Owning costs about the same in Atlanta as in Cass County: with a mortgage, $1,407 a month; without one, $614.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Atlanta+83%
Cass County+68%
Texas+65%
United States+53%
Typical rent
AtlantaNo clear change
Cass County+42%
Texas+34%
United States+33%
Typical household income
AtlantaNo clear change
Cass County+20%
Texas+27%
United States+29%
Change since 2015–2019: Atlanta and its comparisons
Measure
Atlanta
Cass County
Texas
United States
Typical home value
+83%
+68%
+65%
+53%
Typical rent
No clear change
+42%
+34%
+33%
Typical household income
No clear change
+20%
+27%
+29%
Since 2015–2019, homes in Atlanta gained value faster than in Cass County: 83% against 68%.
Since 2015–2019, the typical rent in Atlanta did not change clearly, according to the Census.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Atlanta and its comparisons
Measure
Atlanta
Cass County
Texas
United States
Rental vacancy
Unreliable estimate
Unreliable estimate
7.7%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
1.1%
0.9%
More than one person per room
Unreliable estimate
3.4%
4.8%
3.4%
People per household
2.34
2.39
2.69
2.53
Drive alone
80%
85%
71%
69%
Carpool
Unreliable estimate
7%
10%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
Unreliable estimate
2%
3%
Work from home
Unreliable estimate
6%
14%
15%
Other means
Unreliable estimate
Unreliable estimate
2%
2%
Typical commute
Unreliable estimate
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
By size, households in Atlanta look like those in Cass County: 2.34 people on average.
To get to work, 80% of workers in Atlanta drive alone; in Cass County, 85%.
Do the math
What would you pay each month for a home in Atlanta?
A typical home is within reach of the typical income
We start with a typical home in Atlanta, worth $160,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 28% of the typical household income in Atlanta, which is $60,259 a year.
The calculator's FHA and conventional loan limits are those of all of Cass 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 Atlanta. 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 $5,604 (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
$1,393
at 7.18% · 30 years
Loan amount
$157,200
Total interest
$226,173
Paid off in
November 2056
Includes $2,704 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,406 a month
Your payment · 28%
Tight
$1,406 to $1,808 a month
Hard
more than $1,808 a month
Compared with the typical household income in Atlanta ($60,259 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,065
Property tax
$191
Home insurance
$67
FHA mortgage insurance (MIP)
$71
You need at least $5,604 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 $1,393; principal and interest $1,065.
The city and its county
Atlanta and Cass County
Atlanta is in Cass County, Texas. 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).
Atlanta
Map of Cass County, Texas, with Atlanta marked. Around it, the neighboring counties.
Atlanta
Cass County
Atlanta's own numbers
Typical home value
$160,100
Typical monthly rent
$924
Typical yearly household income
$60,259
Households that own their home
69%
Effective property tax rate
1.43%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Cass County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,014
Price change over 5 years (FHFA)
+49%
Homes in a high flood-risk zone
1.5%
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 Cass County.
A typical home in Atlanta is worth $160,100: 9% above the county and 44% below Texas. With the typical household income in Atlanta ($60,259 a year), a typical home costs 2.7 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.
Atlanta2.7 years
Cass2.7 years
Texas3.6 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Cass County
According to FHFA’s house price index, home prices in Cass County rose 80% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Cass County.
Yearly change in FHFA’s price index in Cass County, 2016 to 2025
2016: +7.9% +7.9% 2016
2017: +5.9% +5.9% 2017
2018: +1.3% +1.3% 2018
2019: +5.0% +5.0% 2019
2020: 0.0% 0.0% 2020
2021: +17.2% +17.2% 2021
2022: +22.3% +22.3% 2022
2023: −0.7% −0.7% 2023
2024: +1.2% +1.2% 2024
2025: +3.1% +3.1% 2025
Change in FHFA’s price index in Cass County, Texas and the United States
Period
County
Texas
U.S.
Last year (2025)
+3.1%
+0.8%
+2.9%
5 years (2020–2025)
+49%
+44%
+47%
10 years (2015–2025)
+80%
+88%
+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
Atlanta next to Cass County, Texas and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Atlanta$160,100
Cass$146,400
Texas$283,800
United States$332,700
Typical monthly rent
Atlanta$924
Cass$852
Texas$1,403
United States$1,413
Typical yearly household income
Atlanta$60,259
Cass$53,813
Texas$78,476
United States$80,734
See the full table
Atlanta next to Cass County and Texas
Measure
Atlanta
Cass County
Texas
U.S.
Typical home value
$160,100 ▲9% above the county
$146,400
$283,800
$332,700
Typical monthly rent
$924 ▲8% above the county
$852
$1,403
$1,413
Typical yearly household income
$60,259 ▲12% above the county
$53,813
$78,476
$80,734
Households that own their home
69% ▼8 points below the county
77%
63%
65%
Typical yearly property tax
$2,294 ▲67% above the county
$1,375
$4,232
$3,119
Effective property tax rate
1.43% ▲0.49 points above the county
0.94%
1.49%
0.94%
Renters with high rent for their income
56% ▲1 points above the county
55%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Cass 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 Atlanta
For a typical $160,100 home in Atlanta, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Atlanta's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,393a month
Least cash to close
Down payment
$5,604
Cash to close
$10,407
Rate
7.18%
Mortgage insurance
FHA MIP · $71
Conventional, 5% down$1,364a month
Down payment
$8,005
Cash to close
$12,808
Rate
7.18%
Mortgage insurance
PMI · $76
Conventional, 20% down, no PMI$1,125a month
Down payment
$32,020
Cash to close
$36,823
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,273a month
Down payment
$24,015
Cash to close
$28,818
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Atlanta
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,393
$5,604
$157,200
7.18%
FHA MIP · $71
$10,407
580
Conventional, 5% down
$1,364
$8,005
$152,095
7.18%
PMI · $76
$12,808
620*
Conventional, 20% down, no PMI
$1,125
$32,020
$128,080
7.18%
None
$36,823
620*
ITIN, 15% down (example)
$1,273
$24,015
$136,085
8.18%
None
$28,818
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 Atlanta is $924 a month: 8% above the county. In Atlanta, 56% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Cass County, by unit size. To pay the 2-bedroom one ($1,014 a month) without spending more than 30% of your income, you would need to earn $19.50 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 Cass County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$771
$14.83
$30,840
1 bedroom
$775
$14.90
$31,000
2 bedrooms
$1,014
$19.50
$40,560
3 bedrooms
$1,404
$27.00
$56,160
4 bedrooms
$1,461
$28.10
$58,440
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 Atlanta
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Atlanta is in ZIP code 75551.
For 2 bedrooms it is $1,110: $96 more than the fair market rent for Cass County ($1,014).
Fair market rent by ZIP code and size in Atlanta, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
75551
$840
$850
$1,110
$1,540
$1,600
ZIP code2 bd3 bd
75551 $1,110$1,540
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Atlanta 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 2 buildings with rents for lower incomes in Atlanta. These are the largest.
Unnamed106 S Howe St, Atlanta 7555180 low-income homes · Run by Atlanta Property Management · Average payment: $371 a month · Average wait: 4 months · Homes at several sites(903) 796-5065
Azalea Trails Apartments1300 Courtland Rd, Atlanta 7555124 low-income homes · For families(903) 796-7861
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 Cass 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 Atlanta or Cass County. The ones below are statewide in Texas: they work in Atlanta the same as in the rest of the state.
Texas state program for first-time buyers: a 30-year mortgage with down payment assistance.Offered by Texas Department of Housing and Community Affairs (TDHCA).
Texas state program with down payment assistance for any buyer, not only first-time buyers.Offered by Texas Department of Housing and Community Affairs (TDHCA).
Texas state certificate that turns part of your mortgage interest into a credit on your federal tax return.Offered by Texas Department of Housing and Community Affairs (TDHCA).
No legal help resource on our list is for Atlanta or Cass 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 Atlanta and all of Cass 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 Atlanta?
The typical home value in Atlanta is $160,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Cass County it is $146,400.
How much does it cost to rent in Atlanta?
Typical rent in Atlanta is $924 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Cass County is $1,014.
What is the FHA loan limit in Atlanta?
Atlanta uses the FHA limit for all of Cass 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 Atlanta?
The typical homeowner in Atlanta pays $2,294 a year, according to the U.S. Census Bureau. That is 1.43% of the home’s value; in Cass County, the rate is 0.94%.
Where can I find free help to buy or rent in Atlanta?
We found no HUD-approved counseling agencies with an office in Cass County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
