MonitorBankRates
☰
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

Harlem, GA Housing Affordability Index

Harlem, Georgia has an MBR Housing Affordability Index score of 83.3 (Moderately Less Affordable) as of October 30, 2026, ranking 502nd most affordable of 519 scored Georgia cities, compared with 105.8 statewide and 97.4 nationally. On a median-priced $274,500 home with 20% down, the Georgia average 30-year fixed rate of 7.28% means a monthly principal and interest payment of about $1,503, or 39% of the city’s $46,197 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Harlem 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.

Harlem MBR-HAI 83.3 Moderately Less Affordable
Rank in Georgia 502 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 $274,500 U.S. Census Bureau

Harlem is 22.5 points below the Georgia score. Scores as of October 30, 2026. See the Georgia index

View Harlem Mortgage Rates

What It Takes to Buy in Harlem

$1,503/mo
Principal & Interest
Median home, 20% down, 7.28%
$64,400
Income Needed
To keep the payment at 28% of income
$46,197
Median Household Income
Georgia: $77,353
5.9x
Price-to-Income Ratio
Georgia: 3.9x
$1,200/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$2,500/yr
Median Property Tax
0.91% of median value
24.1%
Owner Cost Burden
Owners spending 30%+ of income on housing
57.6%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Harlem Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Harlem, Georgia score: 83.3 (Moderately Less Affordable), ranked 502 of 519 Georgia cities. monitorbankrates.com/housing-affordability-index/georgia/harlem”