Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$412,044+1.8% YoY · prices are rising
Market right nowBuyer's marketMore homes for sale than last year, 15% have cut their price
Income needed to buy, per year$89,322About 1.2× the local median income ($73,274): a stretch for a typical household
Days on market88 daysSlower than a year ago: buyers have time to negotiate
The typical home in Putnam County, GA is worth $412,044, up 1.8% from a year ago. That is slightly above what local incomes have historically supported: fair value is about $390,277, so the area is 5.6% overvalued. It is a buyer's market: homes take about 88 days to sell, listings are up 16% from a year ago, 15% of listings have had a price cut. A household needs about $89,322 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 $73,274. Typical rent is $2,300 a month. In the latest IRS figures, 185 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
$412,044
Change in 1 year
+1.8%
Overvalued %
+5.6%
Show 6 more
Fair home value
$390,277
Change in 5 years
+20.8%
Home value to income
5.6×
Monthly mortgage payment (20% down)
$2,233
Income needed to afford it
$89,322
Property tax rate
0.68%
Rent and investing
Typical rent
$2,300
Price-to-rent ratio
14.9×
HUD Fair Market Rent, 2 bedrooms
$1,127
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Gross rental yield
6.70%
Cap rate (estimate)
4.35%
Market activity
Listings vs a year ago
+15.7%
Days on market
88
Listings with a price cut
15.3%
Show 3 more
Homes for sale
302
Pending sales per 100 listings
14
Asking price per sq ft
$276
People and jobs
Median household income
$73,274
Population change (1 year)
+0.8%
Unemployment rate
3.7%
Show 4 more
Population
23,722
Income adjusted for cost of living
$84,223
Net moves in (IRS)
+185
Cost of living (US = 100)
87.0
Schools, risk and environment
School rating (1 to 10)
4.9
FEMA hazard risk score (0 to 100)
53.3
Flood risk score
67.9
Show 3 more
Wildfire risk score
63.1
Walkability (1 to 20)
5.3
Road, rail and air noise
55 dB
Questions people ask
Is Putnam County, GA overvalued?
Home prices in Putnam County, GA are slightly above what local incomes have historically supported: fair value is about $390,277, so the area is 5.6% overvalued.
Is Putnam County, GA a buyer's or seller's market?
Putnam County, GA is a buyer's market: homes take about 88 days to sell, listings are up 16% from a year ago, 15% of listings have had a price cut.
Are home prices going down in Putnam County, GA?
Home values in Putnam County, GA are up 1.8% over the last year.
How much do you need to earn to buy a home in Putnam County, GA?
A household needs about $89,322 a year to afford the typical home in Putnam County, GA at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $73,274.