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New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report

Ball Ground, GA Housing Affordability Index

Ball Ground, Georgia has an MBR Housing Affordability Index score of 122.2 (Highly Affordable) as of October 30, 2026, ranking 275th most affordable of 519 scored Georgia cities, compared with 105.8 statewide and 97.4 nationally. On a median-priced $366,300 home with 20% down, the Georgia average 30-year fixed rate of 7.28% means a monthly principal and interest payment of about $2,006, or 20% of the city’s $117,829 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Ball Ground is updated every night from live Georgia mortgage rates and U.S. Census Bureau income, home value and housing cost data for the city. A score of 100 equals the national average; higher scores mean homeownership is more affordable.

Ball Ground MBR-HAI 122.2 Highly Affordable
Rank in Georgia 275 of 519 1 = most affordable
Georgia 105.8 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.28% Georgia lenders
Median home value $366,300 U.S. Census Bureau

Ball Ground is 16.3 points above the Georgia score. Scores as of October 30, 2026. See the Georgia index

View Ball Ground Mortgage Rates

What It Takes to Buy in Ball Ground

$2,006/mo
Principal & Interest
Median home, 20% down, 7.28%
$86,000
Income Needed
To keep the payment at 28% of income
$117,829
Median Household Income
Georgia: $77,353
3.1x
Price-to-Income Ratio
Georgia: 3.9x
$1,636/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$2,860/yr
Median Property Tax
0.78% of median value
15.9%
Owner Cost Burden
Owners spending 30%+ of income on housing
33.3%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Ball Ground, Georgia. The rate is the Georgia average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.

Cite the Ball Ground Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Ball Ground, Georgia score: 122.2 (Highly Affordable), ranked 275 of 519 Georgia cities. monitorbankrates.com/housing-affordability-index/georgia/ball-ground”