Housing affordability index in Georgia

Housing affordability index in Georgia: puts one number on the housing question: 21.6% of the state's median household income goes to principal and interest on a median-priced home at today's rate.

30-year fixed rate used: 6.76% (observed 2026-09-10, FRED MORTGAGE30US).

Share of income

21.6%

principal + interest

Monthly payment

$1,324

on a $254,821 home

Median income

$73,491

households, ACS 5-year

Housing affordability index in Georgia: counties ranked, least affordable first
RankCountyShare of incomeMonthly P&I
1Towns County31.3%$1,448
2Clarke County31.1%$1,260
3Fannin County29.6%$1,351
4Fulton County28.8%$2,069
5Union County26.3%$1,309
6Rabun County25.8%$1,230
7Greene County24.8%$1,600
8DeKalb County24.7%$1,564
9Chatham County24.2%$1,332
10Hall County23.4%$1,443
11Lanier County23.4%$780
12Gwinnett County23.3%$1,596
13Dawson County23.1%$1,624
14Gilmer County23%$1,349
15Lumpkin County23%$1,295
16Cobb County22.9%$1,797
17Pickens County22.6%$1,367
18Glynn County22.5%$1,236
19Morgan County22.4%$1,523
20Cherokee County22.2%$1,862
21Fayette County21.8%$1,920
22White County21.8%$1,205
23Forsyth County21.4%$2,343
24Jackson County21.3%$1,457
25Randolph County21.2%$435
26Lowndes County21%$924
27Walton County21%$1,389
28Oconee County20.9%$2,022
29Putnam County20.8%$1,056
30Butts County20.8%$1,039
31Sumter County20.8%$675
32Banks County20.7%$1,194
33Coweta County20.2%$1,516
34Lincoln County20.2%$853
35Rockdale County20%$1,152
36Bulloch County20%$896
37Jasper County20%$956
38Thomas County19.9%$929
39Bibb County19.8%$806
40Harris County19.8%$1,419
41Madison County19.8%$886
42Bartow County19.7%$1,231
43Camden County19.5%$1,108
44Candler County19.4%$735
45Gordon County19.4%$930
46Spalding County19.4%$929
47Troup County19.4%$866
48Habersham County19.2%$981
49Henry County19.2%$1,274
50McIntosh County19.2%$819
51Muscogee County19.2%$875
52Barrow County19%$1,186
53Bryan County19%$1,434
54Brooks County18.9%$667
55Floyd County18.7%$904
56Clayton County18.5%$868
57Decatur County18.5%$731
58Douglas County18.5%$1,183
59Carroll County18.3%$1,023
60Hancock County18.3%$486
61Whitfield County18.3%$909
62Polk County18.2%$786
63Hart County18.2%$938
64Stephens County18.2%$801
65Schley County18.1%$801
66Liberty County17.9%$823
67Walker County17.8%$777
68Wayne County17.8%$739
69Pulaski County17.7%$626
70Haralson County17.7%$975
71Newton County17.7%$1,040
72Baldwin County17.6%$802
73Grady County17.6%$764
74Laurens County17.6%$686
75Richmond County17.5%$738
76Long County17.5%$831
77Meriwether County17.5%$765
78Paulding County17.5%$1,304
79Upson County17.5%$709
80Pike County17.4%$1,219
81Columbia County17.4%$1,345
82Franklin County17.4%$762
83Peach County17.4%$886
84Catoosa County17.3%$993
85Effingham County17.2%$1,138
86Lamar County17%$919
87Monroe County17%$1,060
88Tift County16.7%$731
89Baker County16.7%$632
90Dade County16.5%$820
91Oglethorpe County16.5%$916
92Crawford County16.4%$776
93Toombs County16.4%$648
94Ben Hill County16.3%$519
95Dougherty County16.3%$619
96Early County16.3%$657
97Jenkins County16.2%$425
98Washington County16.2%$591
99McDuffie County16%$732
100Jeff Davis County15.9%$555
101Treutlen County15.9%$512
102Coffee County15.8%$636
103Murray County15.8%$798
104Lee County15.6%$1,085
105Talbot County15.5%$620
106Houston County15.3%$984
107Chattahoochee County15.2%$672
108Cook County15.2%$590
109Colquitt County15%$592
110Jones County15%$828
111Seminole County14.9%$573
112Evans County14.7%$678
113Charlton County14.6%$558
114Brantley County14.3%$477
115Macon County14.3%$406
116Miller County14.3%$620
117Marion County14.2%$578
118Wheeler County14.2%$429
119Dodge County14.1%$543
120Crisp County14%$555
121Berrien County13.9%$563
122Tattnall County13.9%$600
123Terrell County13.9%$504
124Quitman County13.8%$446
125Taylor County13.8%$468
126Webster County13.7%$400
127Bacon County13.6%$497
128Turner County13.5%$445
129Bleckley County13.5%$632
130Elbert County13.5%$543
131Screven County13.5%$560
132Heard County13.4%$701
133Montgomery County13.4%$547
134Ware County13.4%$491
135Wilkinson County13.4%$455
136Telfair County13.4%$467
137Pierce County13.3%$607
138Mitchell County13.3%$511
139Appling County12.7%$460
140Irwin County12.7%$492
141Atkinson County12.6%$400
142Chattooga County12.4%$449
143Burke County12.2%$511
144Glascock County12.1%$609
145Jefferson County12.1%$472
146Clay County11.7%$422
147Echols County11.7%$597
148Emanuel County11.4%$454
149Warren County11.4%$430
150Wilkes County11.1%$480
151Twiggs County11%$464
152Dooly County10.9%$491
153Worth County10.8%$509
154Johnson County10.6%$422
155Stewart County10.5%$377
156Calhoun County9.9%$400
157Taliaferro County9.4%$359
158Wilcox County8.7%$339
159Clinch County8.6%$384

Methodology

Every county figure for Georgia uses the county's own median home value and median household income from the Census American Community Survey 5-year estimates, a 20% deposit, and the current 30-year fixed rate from FRED (MORTGAGE30US) amortised over 30 years.

The share shown is annualised principal and interest divided by median household income. Property tax, insurance and HOA dues are excluded so the comparison between counties stays like-for-like.

Counties without both a published home value and a published income are left out entirely rather than filled with an estimate, so the table is shorter than the county list in some states.

Sources: FRED series MORTGAGE30US, Freddie Mac Primary Mortgage Market Survey; U.S. Census Bureau, American Community Survey 5-year estimates. American Community Survey 5-year estimates, 2022.