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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 Valley, GA Housing Affordability Index

Fort Valley, Georgia has an MBR Housing Affordability Index score of 139.4 (Highly Affordable) as of October 30, 2026, ranking 180th most affordable of 519 scored Georgia cities, compared with 105.8 statewide and 97.4 nationally. On a median-priced $127,100 home with 20% down, the Georgia average 30-year fixed rate of 7.28% means a monthly principal and interest payment of about $696, or 17% of the city’s $50,283 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Fort Valley 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 Valley MBR-HAI 139.4 Highly Affordable
Rank in Georgia 180 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 $127,100 U.S. Census Bureau

Fort Valley is 33.6 points above the Georgia score. Scores as of October 30, 2026. See the Georgia index

View Fort Valley Mortgage Rates

What It Takes to Buy in Fort Valley

$696/mo
Principal & Interest
Median home, 20% down, 7.28%
$29,800
Income Needed
To keep the payment at 28% of income
$50,283
Median Household Income
Georgia: $77,353
2.5x
Price-to-Income Ratio
Georgia: 3.9x
$719/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,474/yr
Median Property Tax
1.16% of median value
24.9%
Owner Cost Burden
Owners spending 30%+ of income on housing
39.5%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Fort Valley Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Fort Valley, Georgia score: 139.4 (Highly Affordable), ranked 180 of 519 Georgia cities. monitorbankrates.com/housing-affordability-index/georgia/fort-valley”