Cost of Living in Irwin County, Georgia
At a Glance
Rent burden measured as median gross rent as a percentage of renter household income (Census ACS B25071)
How Irwin County Compares
Median monthly rent comparison
Detailed Housing Stats
National Ranking
Affordability Rank
Irwin County ranks #2,168 of 3,144 counties for affordability (bottom 31%)
Data Story
About Cost of Living in Irwin County, Georgia
Irwin County rents remain deeply affordable
Irwin County's rent-to-income ratio of 18.3% sits just above national affordability benchmarks, with median rent at $824 requiring modest portions of household earnings. Despite a median household income of $53,915—28% below the national average of $74,755—Irwin renters enjoy manageable housing costs.
Just above Georgia's state average affordability
Irwin County's 18.3% rent-to-income ratio slightly exceeds Georgia's state average of 18.6%, marking it as solidly middle-ground for the state. Median rent of $824 runs $103 below the state average of $927, delivering concrete monthly savings.
Rural affordability matches Hart and Heard
Irwin County's $824 median rent clusters with rural peers Hart County ($814) and Heard County ($855), all offering similar value propositions. These three rural counties create a consistent affordability band for renters seeking escape from Atlanta-area price premiums.
Irwin County's modest housing math
On median household income of $53,915, Irwin County renters spend 18.3% on $824 monthly rent, leaving $735 for other living costs. Homeowners invest $685 monthly into mortgages on homes valued at $105,300—the second-lowest home value in this analysis, reflecting rural character.
Deep rural affordability meets tight budgets
Irwin County delivers affordable rents at $824 monthly, ideal for households earning below-state-average incomes of $53,915. Compare this to Jeff Davis County's $674 rent to evaluate whether proximity to services justifies Irwin's modest premium.
Cost of Living Advisory: Irwin County
Affordability Verdict
Irwin County offers affordable rental housing at a median of $824/month — about 18.3% of the typical household income here.
Rent vs. Own
The median rent in Irwin County is $824/month, while owner costs run $685/month. Owning saves approximately $139/month.
Income Needed
To afford the median rent without exceeding 30% of gross income, a household needs to earn approximately $32,960/year. For owner costs at the 28% rule, the required income is roughly $29,357/year. With a median household income of $53,915, most households can comfortably afford rent here. Notably, 23.0% of renter households in Irwin County are cost-burdened, spending more than 30% of income on housing.
Regional Context
Within Georgia, Irwin County is less affordable than Fannin County by roughly 6% ($824/mo vs $876/mo).
Affordability Calculator
See how your income compares to housing costs in Irwin County
Rent Burden
18.3%
of gross income
Max Housing (28% Rule)
$1,258
per month
Owner Cost Burden
15.2%
of gross income
You can likely afford the median home in Irwin County
Median home value is $105,300. Estimated monthly cost: $841 vs. your max of $1,258.
Rent Affordability Guide
Income Needed Calculator
See how much you need to earn to comfortably afford housing
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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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