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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

Fort Gaines, GA Housing Affordability Index

Fort Gaines, Georgia has an MBR Housing Affordability Index score of 143.7 (Highly Affordable) as of October 30, 2026, ranking 166th most affordable of 519 scored Georgia cities, compared with 105.8 statewide and 97.4 nationally. On a median-priced $90,500 home with 20% down, the Georgia average 30-year fixed rate of 7.28% means a monthly principal and interest payment of about $496, or 16% of the city’s $38,071 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Fort Gaines 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.

Fort Gaines MBR-HAI 143.7 Highly Affordable
Rank in Georgia 166 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 $90,500 U.S. Census Bureau

Fort Gaines is 37.9 points above the Georgia score. Scores as of October 30, 2026. See the Georgia index

View Fort Gaines Mortgage Rates

What It Takes to Buy in Fort Gaines

$496/mo
Principal & Interest
Median home, 20% down, 7.28%
$21,200
Income Needed
To keep the payment at 28% of income
$38,071
Median Household Income
Georgia: $77,353
2.4x
Price-to-Income Ratio
Georgia: 3.9x
$598/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,790/yr
Median Property Tax
1.98% of median value
57.4%
Owner Cost Burden
Owners spending 30%+ of income on housing
17.6%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Fort Gaines Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Fort Gaines, Georgia score: 143.7 (Highly Affordable), ranked 166 of 519 Georgia cities. monitorbankrates.com/housing-affordability-index/georgia/fort-gaines”