Cost of Living in Stephens County, Georgia
At a Glance
Rent burden measured as median gross rent as a percentage of renter household income (Census ACS B25071)
These figures are county medians, not a personal budget. Use them to frame rent, ownership, and income tradeoffs, then account for household size, commute, financing, insurance, taxes, debt, and local availability before making a decision.
How Stephens County Compares
Median monthly rent comparison
Detailed Housing Stats
National Ranking
Affordability Rank
Stephens County ranks #1,141 of 3,142 counties for affordability (top 36%)
Sourced county brief
Stephens County Official GRAPI Below Georgia Unweighted County Mean
The official ACS B25071 median gross rent as a percentage of household income (GRAPI) in Stephens County is 27.1%. This figure is 1.5 percentage points below the unweighted county mean for Georgia of 28.6%. Median gross rent in the county is $820 per month, which is lower than the state unweighted county mean of $965. The median renter-household income was recorded at $32,410. In the owner-occupied sector, the median home value is $175,300, compared to the state unweighted county mean of $197,933. Median selected monthly owner costs for all owners in the county are $753, which sits below the Georgia unweighted county mean of $905. These estimates are based on 2020-2024 data from the American Community Survey. See ACS table B25071 for the underlying estimate.
Source record
- U.S. Census Bureau ACS 2020-2024 5-Year Estimates — B25064 Median Gross Rent
- U.S. Census Bureau ACS 2020-2024 5-Year Estimates — B25071 GRAPI
- U.S. Census Bureau ACS 2020-2024 5-Year Estimates — B25077 Median Home Value
- U.S. Census Bureau ACS 2020-2024 5-Year Estimates — B25088 Selected Monthly Owner Costs
- U.S. Census Bureau ACS 2020-2024 5-Year Estimates — B25119 Household Income by Tenure
Data version acs5-2020-2024 · Method cost-brief-v1
Cost of Living Advisory: Stephens County
Affordability Verdict
ACS B25071 estimates median gross rent at 27.1% of renter household income in Stephens County, which is below the 30% affordability benchmark. This is a median percentage among renter-occupied units, not the share of households above a threshold.
Rent vs. Own
Median gross rent is $820 per month; median selected monthly owner costs are $753. These ACS medians describe different tenure groups and are not a personalized rent-versus-buy calculation.
Income Needed
Using the common 30% budgeting benchmark, $32,800 in annual gross income would allocate 30% to the county's median gross rent. This is a reproducible illustration, not evidence that a particular household can afford housing.
Regional Context
The Georgia unweighted mean of county median rents is $965 per month. Stephens County's $820 median is 15.0% below that comparison value.
Data version acs5-2020-2024 · Method cost-advisory-v2
Affordability Calculator
See how your income compares to housing costs in Stephens County
Rent Burden
18.0%
of gross income
Max Housing (28% Rule)
$1,278
per month
Owner Cost Burden
16.5%
of gross income
The median home in Stephens County may be a stretch
Median home value is $175,300. Estimated monthly cost: $1,399 vs. your max of $1,278.
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 (2020-2024). Data is informational only and is not personalized financial advice.
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