Cost of Living in Lumpkin County, Georgia
At a Glance
Rent burden measured as median gross rent as a percentage of renter household income (Census ACS B25071)
How Lumpkin County Compares
Median monthly rent comparison
Detailed Housing Stats
National Ranking
Affordability Rank
Lumpkin County ranks #1,055 of 3,144 counties for affordability (top 34%)
Data Story
About Cost of Living in Lumpkin County, Georgia
Lumpkin County achieves housing balance
Lumpkin County's 18.1% rent-to-income ratio sits slightly below Georgia's 18.6% average, signaling healthy housing affordability relative to household earnings. With a median income of $72,388 (only 3% below national) and $1,090 rent, residents enjoy incomes sufficient to handle housing costs comfortably.
Above-average Georgia incomes
Lumpkin County's median household income of $72,388 ranks among Georgia's stronger communities, positioning it well above state norms. This income advantage, combined with reasonable rent at $1,090, creates one of Georgia's more sustainable housing dynamics.
Premium pricing reflects desirability
Lumpkin County's $1,090 rent runs higher than most regional peers like Madison County ($951) and Long County ($931), reflecting mountain-region appeal and tourism economy strength. However, home values of $277,200 suggest property appreciation and long-term wealth building potential.
Strong incomes support both paths
Lumpkin County renters allocate just 18.1% of their $72,388 income to $1,090 rent—leaving comfortable margins for savings and other expenses. Homebuyers navigate $1,059 monthly costs with median values of $277,200, significantly higher than regional peers but justified by mountain location and property appeal.
Premium housing with solid incomes
Lumpkin County suits relocators with strong incomes seeking mountain living and property appreciation potential. If you earn around $72,000+ annually and value scenic character with solid housing economics, Lumpkin County delivers mountain-region living without unsustainable affordability strain.
Cost of Living Advisory: Lumpkin County
Affordability Verdict
Lumpkin County is affordable for renters, with a median gross rent of $1,090/month representing approximately 18.1% of median household income. The rent burden (GRAPI) stands at 36.0%.
Rent vs. Own
At $1,090/month rent versus $1,059/month in owner costs, owning is roughly $31/month cheaper — a 3% difference.
Income Needed
To afford the median rent without exceeding 30% of gross income, a household needs to earn approximately $43,600/year. For owner costs at the 28% rule, the required income is roughly $45,386/year. With a median household income of $72,388, most households can comfortably afford rent here. Notably, 36.0% of renter households in Lumpkin County are cost-burdened, spending more than 30% of income on housing.
Regional Context
Lumpkin County sits 5% less expensive than Houston County ($1,143/month) in terms of median gross rent.
Affordability Calculator
See how your income compares to housing costs in Lumpkin County
Rent Burden
18.1%
of gross income
Max Housing (28% Rule)
$1,689
per month
Owner Cost Burden
17.6%
of gross income
The median home in Lumpkin County may be a stretch
Median home value is $277,200. Estimated monthly cost: $2,213 vs. your max of $1,689.
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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