Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$397,867+0.5% YoY · prices are flat
Market right nowBuyer's marketMore homes for sale than last year, 25% have cut their price
Income needed to buy, per year$86,249About 1.3× the local median income ($66,947): a stretch for a typical household
Days on market117 daysSlower than a year ago: buyers have time to negotiate
The typical home in Towns County, GA is worth $397,867, up 0.5% from a year ago. That is slightly above what local incomes have historically supported: fair value is about $379,143, so the area is 4.9% overvalued. It is a buyer's market: homes take about 117 days to sell, listings are up 29% from a year ago, 25% of listings have had a price cut. A household needs about $86,249 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 $66,947. In the latest IRS figures, 227 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
$397,867
Change in 1 year
+0.5%
Overvalued %
+4.9%
Show 6 more
Fair home value
$379,143
Change in 5 years
+22.2%
Home value to income
5.9×
Monthly mortgage payment (20% down)
$2,156
Income needed to afford it
$86,249
Property tax rate
0.34%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$1,002
Market activity
Listings vs a year ago
+29.4%
Days on market
117
Listings with a price cut
25.1%
Show 3 more
Homes for sale
304
Pending sales per 100 listings
12
Asking price per sq ft
$248
People and jobs
Median household income
$66,947
Population change (1 year)
+0.9%
Unemployment rate
4.6%
Show 4 more
Population
13,285
Income adjusted for cost of living
$76,951
Net moves in (IRS)
+227
Cost of living (US = 100)
87.0
Schools, risk and environment
School rating (1 to 10)
7.5
FEMA hazard risk score (0 to 100)
39.6
Flood risk score
53.6
Show 3 more
Wildfire risk score
53.8
Walkability (1 to 20)
6.1
Road, rail and air noise
55 dB
Questions people ask
Is Towns County, GA overvalued?
Home prices in Towns County, GA are slightly above what local incomes have historically supported: fair value is about $379,143, so the area is 4.9% overvalued.
Is Towns County, GA a buyer's or seller's market?
Towns County, GA is a buyer's market: homes take about 117 days to sell, listings are up 29% from a year ago, 25% of listings have had a price cut.
Are home prices going down in Towns County, GA?
Home values in Towns County, GA are up 0.5% over the last year.
How much do you need to earn to buy a home in Towns County, GA?
A household needs about $86,249 a year to afford the typical home in Towns County, GA at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $66,947.