Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$236,115+2.5% YoY · prices are rising
Market right nowBuyer's marketMore homes for sale than last year, 23% have cut their price
Income needed to buy, per year$51,185About 0.9× the local median income ($58,186): affordable for a typical household
Days on market77 daysSlower than a year ago: buyers have time to negotiate
The typical home in Stephens County, GA is worth $236,115, up 2.5% from a year ago. That is well above what local incomes have historically supported: fair value is about $183,818, so the area is 28.5% overvalued. It is a buyer's market: homes take about 77 days to sell, listings are up 40% from a year ago, 23% of listings have had a price cut. A household needs about $51,185 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 $58,186. In the latest IRS figures, 408 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
$236,115
Change in 1 year
+2.5%
Overvalued %
+28.5%
Show 6 more
Fair home value
$183,818
Change in 5 years
+35.3%
Home value to income
4.1×
Monthly mortgage payment (20% down)
$1,280
Income needed to afford it
$51,185
Property tax rate
0.81%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$1,002
Market activity
Listings vs a year ago
+40.2%
Days on market
77
Listings with a price cut
23.1%
Show 3 more
Homes for sale
164
Pending sales per 100 listings
16
Asking price per sq ft
$182
People and jobs
Median household income
$58,186
Population change (1 year)
+1.1%
Unemployment rate
5.4%
Show 4 more
Population
27,854
Income adjusted for cost of living
$66,880
Net moves in (IRS)
+408
Cost of living (US = 100)
87.0
Schools, risk and environment
School rating (1 to 10)
5.5
FEMA hazard risk score (0 to 100)
33.4
Flood risk score
44.0
Show 3 more
Wildfire risk score
37.0
Walkability (1 to 20)
6.3
Road, rail and air noise
53 dB
Questions people ask
Is Stephens County, GA overvalued?
Home prices in Stephens County, GA are well above what local incomes have historically supported: fair value is about $183,818, so the area is 28.5% overvalued.
Is Stephens County, GA a buyer's or seller's market?
Stephens County, GA is a buyer's market: homes take about 77 days to sell, listings are up 40% from a year ago, 23% of listings have had a price cut.
Are home prices going down in Stephens County, GA?
Home values in Stephens County, GA are up 2.5% over the last year.
How much do you need to earn to buy a home in Stephens County, GA?
A household needs about $51,185 a year to afford the typical home in Stephens County, GA at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $58,186.