Cost of Living in Habersham County, Georgia
At a Glance
Rent burden measured as median gross rent as a percentage of renter household income (Census ACS B25071)
How Habersham County Compares
Median monthly rent comparison
Detailed Housing Stats
National Ranking
Affordability Rank
Habersham County ranks #1,027 of 3,144 counties for affordability (top 33%)
Data Story
About Cost of Living in Habersham County, Georgia
Habersham delivers solid affordability
At 17.2% of income spent on rent, Habersham County households enjoy below-national-average housing costs with a median income of $65,622. This rural northeast Georgia county punches above its weight in affordability.
Among Georgia's affordable options
Habersham's 17.2% rent-to-income ratio beats Georgia's state average of 18.6%, while its median rent of $939 closely mirrors the state median of $927. This consistency makes Habersham a reliable, middle-ground housing market.
Habersham balances cost and income
Habersham's $939 rent sits between Grady County ($789) and Hall County ($1,247), offering mountain-adjacent living without metro price premiums. Median home values of $212,000 remain accessible for buyers seeking stability.
Modest income, moderate housing spend
Habersham households earning $65,622 annually allocate $939 to rent—a manageable 17.2% of gross income. Monthly homeownership costs of $879 make both renting and buying feasible for working families.
Habersham's quiet appeal for movers
If you're seeking small-town character with reasonable housing costs, Habersham delivers: slightly below state averages for both rent and income ratios. Test these numbers against your current situation—northeast Georgia's mountain access might come with unexpected savings.
Cost of Living Advisory: Habersham County
Affordability Verdict
For renters in Habersham County, the market is affordable. Expect to pay around $939/month in gross rent, with 27.0% of renter households considered cost-burdened.
Rent vs. Own
The median rent in Habersham County is $939/month, while owner costs run $879/month. Owning saves approximately $60/month.
Income Needed
To afford the median rent without exceeding 30% of gross income, a household needs to earn approximately $37,560/year. For owner costs at the 28% rule, the required income is roughly $37,671/year. With a median household income of $65,622, most households can comfortably afford rent here. Notably, 27.0% of renter households in Habersham County are cost-burdened, spending more than 30% of income on housing.
Regional Context
Habersham County sits 6% more expensive than Haralson County ($884/month) in terms of median gross rent.
Affordability Calculator
See how your income compares to housing costs in Habersham County
Rent Burden
17.2%
of gross income
Max Housing (28% Rule)
$1,531
per month
Owner Cost Burden
16.1%
of gross income
The median home in Habersham County may be a stretch
Median home value is $212,000. Estimated monthly cost: $1,692 vs. your max of $1,531.
Rent Affordability Guide
Income Needed Calculator
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Based on the 30% rule for rent and 28% rule for housing costs (mortgage + owner costs). Mortgage estimate assumes 20% down, 7.2% interest, 30-year fixed.
Frequently Asked Questions
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See Today's RatesData: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates (2019-2023) — Informational only. Not financial or legal advice.
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