Cost of Living in Spalding County, Georgia

$1,053/mo

Median Monthly Rent

$196,600

Median Home Value

14% above state averageUnaffordable

At a Glance

Median Monthly Rent

$1,053/mo

14% above state average

Median Home Value

$196,600

30% below national

Rent-to-Income Ratio

30.0%

% of income spent on rent

Rent burden measured as median gross rent as a percentage of renter household income (Census ACS B25071)

Affordability Rating

Unaffordable

Rent over 50% of income

How Spalding County Compares

Median monthly rent comparison

Spalding County$1,053/mo

Georgia Average$927/mo

National Median$1,163/mo

Detailed Housing Stats

$1,053/mo

Median Gross Rent

$196,600

Median Home Value

$1,018/mo

Monthly Owner Cost

30.0%

Rent-to-Income Ratio

Data Story

About Cost of Living in Spalding County, Georgia

Spalding's costs outpace local incomes

Spalding County's 21.0% rent-to-income ratio sits above the national average despite a median household income of $60,217 that runs $14,538 below the national figure. The county's median rent of $1,053 reflects higher costs than most rural Georgia peers, straining a below-average wage base.

Above Georgia's affordability threshold

At 21.0%, Spalding County's rent-to-income ratio exceeds Georgia's 18.6% state average by 2.4 percentage points, placing it among the state's more expensive rural markets. The county's $1,053 median rent runs $126 above Georgia's state average despite its rural character.

Priced above most rural comparables

Spalding's $1,053 median rent undercuts only Rockdale County's $1,341 while running well above Screven ($629) and Schley ($746), reflecting its position as an intermediate development tier. Its $196,600 median home value ranks second-highest in this group, behind only Rockdale's $256,600.

Higher housing burden stresses budgets

Spalding renters dedicate 21.0% of their $60,217 income to $1,053 monthly rent, while homeowners spend 20.3% on $1,018 mortgage payments, both above comfort levels. This dual burden—elevated costs and modest incomes—leaves limited cushion for other necessities.

Weigh costs against job availability

Spalding's housing costs exceed nearby affordable counties like Screven and Schley, so relocating here makes sense only if stronger local job opportunities justify the premium. Compare total cost-of-living packages rather than housing alone before committing.

Affordability Calculator

See how your income compares to housing costs in Spalding County

Your Annual Household Income

Rent Burden

21.0%

of gross income

Max Housing (28% Rule)

$1,405

per month

Owner Cost Burden

20.3%

of gross income

The median home in Spalding County may be a stretch

Median home value is $196,600. Estimated monthly cost: $1,570 vs. your max of $1,405.

Rent Affordability Guide

Your rent-to-income ratio21.0%

Recommended max30.0%

Frequently Asked Questions

What is the cost of living in Spalding County, Georgia?

Spalding County, Georgia has a median monthly rent of $1,053/mo and a median home value of $196,600. The affordability rating is Unaffordable, with rent making up approximately 30.0% of median household income.

What is the median rent in Spalding County?

The median gross rent in Spalding County is $1,053/mo. This is 14% above state average for Georgia.

Is Spalding County affordable?

Spalding County is rated Unaffordable based on rent-to-income ratio of 30.0%. Spending over 50% of income on rent is generally considered unaffordable.

How does Spalding County's rent compare to the state average?

Spalding County's median rent of $1,053/mo is 14% above state average of $927/mo for Georgia.

What is the median home value in Spalding County?

The median home value in Spalding County, Georgia is $196,600. This is 30% below the national median home value of $281,900.