Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$321,659+1.9% YoY · prices are rising
Market right nowBuyer's marketMore homes for sale than last year, 19% have cut their price
Income needed to buy, per year$69,729About 1.0× the local median income ($66,701): a stretch for a typical household
Days on market71 daysSlower than a year ago: buyers have time to negotiate
The typical home in Habersham County, GA is worth $321,659, up 1.9% from a year ago. That is well above what local incomes have historically supported: fair value is about $246,986, so the area is 30.2% overvalued. It is a buyer's market: homes take about 71 days to sell, listings are up 36% from a year ago, 19% of listings have had a price cut. A household needs about $69,729 a year to afford the typical home here at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $66,701. Typical rent is $1,602 a month. In the latest IRS figures, 574 more people moved in than out.
Home value over time
Solid: typical home value · dashed: fair value (household income × the 20-year average price-to-income ratio). Sources: FHFA, Zillow, U.S. Census Bureau.
Prices and affordability
Typical home value
$321,659
Change in 1 year
+1.9%
Overvalued %
+30.2%
Show 6 more
Fair home value
$246,986
Change in 5 years
+36.1%
Home value to income
4.8×
Monthly mortgage payment (20% down)
$1,743
Income needed to afford it
$69,729
Property tax rate
0.59%
Rent and investing
Typical rent
$1,602
Price-to-rent ratio
16.7×
HUD Fair Market Rent, 2 bedrooms
$1,007
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Gross rental yield
5.98%
Cap rate (estimate)
3.89%
Market activity
Listings vs a year ago
+35.7%
Days on market
71
Listings with a price cut
18.7%
Show 3 more
Homes for sale
289
Pending sales per 100 listings
16
Asking price per sq ft
$203
People and jobs
Median household income
$66,701
Population change (1 year)
+1.3%
Unemployment rate
2.7%
Show 4 more
Population
50,416
Income adjusted for cost of living
$76,668
Net moves in (IRS)
+574
Cost of living (US = 100)
87.0
Schools, risk and environment
School rating (1 to 10)
7.1
FEMA hazard risk score (0 to 100)
38.9
Flood risk score
44.1
Show 3 more
Wildfire risk score
48.6
Walkability (1 to 20)
6.3
Road, rail and air noise
54 dB
Questions people ask
Is Habersham County, GA overvalued?
Home prices in Habersham County, GA are well above what local incomes have historically supported: fair value is about $246,986, so the area is 30.2% overvalued.
Is Habersham County, GA a buyer's or seller's market?
Habersham County, GA is a buyer's market: homes take about 71 days to sell, listings are up 36% from a year ago, 19% of listings have had a price cut.
Are home prices going down in Habersham County, GA?
Home values in Habersham County, GA are up 1.9% over the last year.
How much do you need to earn to buy a home in Habersham County, GA?
A household needs about $69,729 a year to afford the typical home in Habersham County, GA at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $66,701.