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Homeownership is to the American dream. It offers , security, community, and countless other benefits. Yet for many Georgia residents, the dream feels increasingly out of reach—even as and fall. Near-record prices have made homes hard to come by and often even harder to afford, leaving buyers and sellers and younger generations .

But affordable pockets still exist. In cities across the state, residents can comfortably spend around 30% of their income or less on housing, which is widely considered the affordable threshold.

To find out where these cities are, ranked the most affordable cities in Georgia, based on their local payment to income ratios. All data is an average for the January-October 2025 period. To see the most affordable cities in the country, read this .

#1. Evans, Georgia
- Payment to income ratio: 25.1%
- Median sale price: $414,966
- Median household income: $126,767
- Income needed to buy: $105,967
- Median monthly mortgage payment: $2,649
- See homes for sale in Evans on

#2. Martinez, Georgia
- Payment to income ratio: 25.2%
- Median sale price: $281,824
- Median household income: $85,617
- Income needed to buy: $71,967
- Median monthly mortgage payment: $1,799
- See homes for sale in Martinez on

#3. Warner Robins, Georgia
- Payment to income ratio: 28.5%
- Median sale price: $244,713
- Median household income: $65,715
- Income needed to buy: $62,491
- Median monthly mortgage payment: $1,562
- See homes for sale in Warner Robins on

#4. Redan, Georgia
- Payment to income ratio: 29.4%
- Median sale price: $243,028
- Median household income: $63,226
- Income needed to buy: $62,060
- Median monthly mortgage payment: $1,552
- See homes for sale in Redan on

#5. South Fulton, Georgia
- Payment to income ratio: 30.8%
- Median sale price: $329,149
- Median household income: $81,798
- Income needed to buy: $84,052
- Median monthly mortgage payment: $2,101
- See homes for sale in South Fulton on

#6. Mableton, Georgia
- Payment to income ratio: 31.9%
- Median sale price: $352,916
- Median household income: $84,662
- Income needed to buy: $90,122
- Median monthly mortgage payment: $2,253
- See homes for sale in Mableton on

#7. McDonough, Georgia
- Payment to income ratio: 32.0%
- Median sale price: $324,477
- Median household income: $77,734
- Income needed to buy: $82,859
- Median monthly mortgage payment: $2,071
- See homes for sale in McDonough on

#8. Stockbridge, Georgia
- Payment to income ratio: 32.9%
- Median sale price: $303,357
- Median household income: $70,579
- Income needed to buy: $77,466
- Median monthly mortgage payment: $1,937
- See homes for sale in Stockbridge on

#9. Pooler, Georgia
- Payment to income ratio: 33.0%
- Median sale price: $393,830
- Median household income: $91,497
- Income needed to buy: $100,570
- Median monthly mortgage payment: $2,514
- See homes for sale in Pooler on

#10. Douglasville, Georgia
- Payment to income ratio: 35.2%
- Median sale price: $352,244
- Median household income: $76,591
- Income needed to buy: $89,950
- Median monthly mortgage payment: $2,249
- See homes for sale in Douglasville on

#11. Newnan, Georgia
- Payment to income ratio: 36.0%
- Median sale price: $377,084
- Median household income: $80,299
- Income needed to buy: $96,293
- Median monthly mortgage payment: $2,407
- See homes for sale in Newnan on

#12. Johns Creek, Georgia
- Payment to income ratio: 36.7%
- Median sale price: $767,807
- Median household income: $160,185
- Income needed to buy: $196,069
- Median monthly mortgage payment: $4,902
- See homes for sale in Johns Creek on

#13. Woodstock, Georgia
- Payment to income ratio: 37.5%
- Median sale price: $515,228
- Median household income: $105,396
- Income needed to buy: $131,570
- Median monthly mortgage payment: $3,289
- See homes for sale in Woodstock on

#14. Kennesaw, Georgia
- Payment to income ratio: 38.3%
- Median sale price: $398,936
- Median household income: $79,759
- Income needed to buy: $101,873
- Median monthly mortgage payment: $2,547
- See homes for sale in Kennesaw on

#15. Peachtree City, Georgia
- Payment to income ratio: 40.3%
- Median sale price: $585,639
- Median household income: $111,421
- Income needed to buy: $149,551
- Median monthly mortgage payment: $3,739
- See homes for sale in Peachtree City on

#16. Duluth, Georgia
- Payment to income ratio: 42.3%
- Median sale price: $527,252
- Median household income: $95,580
- Income needed to buy: $134,640
- Median monthly mortgage payment: $3,366
- See homes for sale in Duluth on

#17. Tucker, Georgia
- Payment to income ratio: 42.4%
- Median sale price: $448,697
- Median household income: $81,141
- Income needed to buy: $114,581
- Median monthly mortgage payment: $2,865
- See homes for sale in Tucker on

#18. Smyrna, Georgia
- Payment to income ratio: 43.0%
- Median sale price: $542,698
- Median household income: $96,780
- Income needed to buy: $138,585
- Median monthly mortgage payment: $3,465
- See homes for sale in Smyrna on

#19. Canton, Georgia
- Payment to income ratio: 44.4%
- Median sale price: $473,121
- Median household income: $81,642
- Income needed to buy: $120,817
- Median monthly mortgage payment: $3,020
- See homes for sale in Canton on

#20. Roswell, Georgia
- Payment to income ratio: 46.0%
- Median sale price: $747,570
- Median household income: $124,422
- Income needed to buy: $190,902
- Median monthly mortgage payment: $4,773
- See homes for sale in Roswell on