Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$387,346+1.0% YoY · prices are rising
Market right nowBuyer's marketMore homes for sale than last year, 30% have cut their price
Income needed to buy, per year$83,968About 1.0× the local median income ($80,922): a stretch for a typical household
Days on market67 daysAbout the same pace as a year ago
Next 12 months−1.0%Zillow expects prices to dip slightly
The typical home in Lumpkin County, GA is worth $387,346, up 1.0% from a year ago. That is well above what local incomes have historically supported: fair value is about $343,587, so the area is 12.7% overvalued. It is a buyer's market: homes take about 67 days to sell, listings are up 15% from a year ago, 30% of listings have had a price cut. Zillow expects prices to fall about 1.0% over the next year. A household needs about $83,968 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 $80,922. Typical rent is $1,633 a month, or $2,016 for a house. In the latest IRS figures, 482 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
$387,346
Change in 1 year
+1.0%
Overvalued %
+12.7%
Show 7 more
Fair home value
$343,587
Change in 5 years
+27.5%
Zillow forecast, next 12 months
−1.0%
Home value to income
4.8×
Monthly mortgage payment (20% down)
$2,099
Income needed to afford it
$83,968
Property tax rate
0.65%
Rent and investing
Typical rent
$1,633
Typical rent for houses
$2,016
Price-to-rent ratio
19.8×
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HUD Fair Market Rent, 2 bedrooms
$1,148
Gross rental yield
5.06%
Cap rate (estimate)
3.29%
Market activity
Listings vs a year ago
+15.2%
Days on market
67
Listings with a price cut
29.6%
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Homes for sale
190
Pending sales per 100 listings
23
Asking price per sq ft
$240
People and jobs
Median household income
$80,922
Population change (1 year)
+0.6%
Unemployment rate
5.7%
Show 4 more
Population
36,178
Income adjusted for cost of living
$80,841
Net moves in (IRS)
+482
Cost of living (US = 100)
100.1
Schools, risk and environment
School rating (1 to 10)
7.5
FEMA hazard risk score (0 to 100)
44.9
Flood risk score
50.5
Show 3 more
Wildfire risk score
46.0
Walkability (1 to 20)
5.4
Road, rail and air noise
55 dB
Questions people ask
Is Lumpkin County, GA overvalued?
Home prices in Lumpkin County, GA are well above what local incomes have historically supported: fair value is about $343,587, so the area is 12.7% overvalued.
Is Lumpkin County, GA a buyer's or seller's market?
Lumpkin County, GA is a buyer's market: homes take about 67 days to sell, listings are up 15% from a year ago, 30% of listings have had a price cut.
Are home prices going down in Lumpkin County, GA?
Home values in Lumpkin County, GA are up 1.0% over the last year. Zillow's forecast for the next 12 months is −1.0%.
How much do you need to earn to buy a home in Lumpkin County, GA?
A household needs about $83,968 a year to afford the typical home in Lumpkin County, GA at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $80,922.