Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$555,351+0.8% YoY · prices are rising
Market right nowBalanced, leaning buyersMore homes for sale than last year, 10% have cut their price
Income needed to buy, per year$120,389About 1.0× the local median income ($125,848): affordable for a typical household
Days on market79 daysFaster than a year ago: sellers have the edge
Next 12 months+1.4%Zillow expects prices to rise slightly
The typical home in Oconee County, GA is worth $555,351, up 0.8% from a year ago. That is slightly above what local incomes have historically supported: fair value is about $505,003, so the area is 10.0% overvalued. It is a balanced market, leaning toward buyers: homes take about 79 days to sell, listings are up 18% from a year ago, 10% of listings have had a price cut. Zillow expects prices to rise about 1.4% over the next year. A household needs about $120,389 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 $125,848. Typical rent is $1,929 a month, or $2,329 for a house. In the latest IRS figures, 365 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
$555,351
Change in 1 year
+0.8%
Overvalued %
+10.0%
Show 7 more
Fair home value
$505,003
Change in 5 years
+26.6%
Zillow forecast, next 12 months
+1.4%
Home value to income
4.4×
Monthly mortgage payment (20% down)
$3,010
Income needed to afford it
$120,389
Property tax rate
0.70%
Rent and investing
Typical rent
$1,929
Typical rent for houses
$2,329
Price-to-rent ratio
24.0×
Show 3 more
HUD Fair Market Rent, 2 bedrooms
$1,285
Gross rental yield
4.17%
Cap rate (estimate)
2.71%
Market activity
Listings vs a year ago
+17.6%
Days on market
79
Listings with a price cut
9.8%
Show 3 more
Homes for sale
260
Pending sales per 100 listings
29
Asking price per sq ft
$239
People and jobs
Median household income
$125,848
Population change (1 year)
+0.8%
Unemployment rate
3.0%
Show 4 more
Population
44,893
Income adjusted for cost of living
$134,885
Net moves in (IRS)
+365
Cost of living (US = 100)
93.3
Schools, risk and environment
School rating (1 to 10)
10.0
FEMA hazard risk score (0 to 100)
19.4
Flood risk score
35.0
Show 3 more
Wildfire risk score
25.9
Walkability (1 to 20)
6.7
Road, rail and air noise
54 dB
Questions people ask
Is Oconee County, GA overvalued?
Home prices in Oconee County, GA are slightly above what local incomes have historically supported: fair value is about $505,003, so the area is 10.0% overvalued.
Is Oconee County, GA a buyer's or seller's market?
Oconee County, GA is a balanced market, leaning toward buyers: homes take about 79 days to sell, listings are up 18% from a year ago, 10% of listings have had a price cut.
Are home prices going down in Oconee County, GA?
Home values in Oconee County, GA are up 0.8% over the last year. Zillow's forecast for the next 12 months is +1.4%.
How much do you need to earn to buy a home in Oconee County, GA?
A household needs about $120,389 a year to afford the typical home in Oconee County, GA at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $125,848.