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

Holly Springs, GA Housing Affordability Index

Holly Springs, Georgia has an MBR Housing Affordability Index score of 100.2 (Near National Average) as of October 30, 2026, ranking 424th most affordable of 519 scored Georgia cities, compared with 105.8 statewide and 97.4 nationally. On a median-priced $448,400 home with 20% down, the Georgia average 30-year fixed rate of 7.28% means a monthly principal and interest payment of about $2,455, or 26% of the city’s $113,992 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Holly Springs 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.

Holly Springs MBR-HAI 100.2 Near National Average
Rank in Georgia 424 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 $448,400 U.S. Census Bureau

Holly Springs is 5.7 points below the Georgia score. Scores as of October 30, 2026. See the Georgia index

View Holly Springs Mortgage Rates

What It Takes to Buy in Holly Springs

$2,455/mo
Principal & Interest
Median home, 20% down, 7.28%
$105,200
Income Needed
To keep the payment at 28% of income
$113,992
Median Household Income
Georgia: $77,353
3.9x
Price-to-Income Ratio
Georgia: 3.9x
$2,043/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$3,914/yr
Median Property Tax
0.87% of median value
16.9%
Owner Cost Burden
Owners spending 30%+ of income on housing
67.2%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Holly Springs Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Holly Springs, Georgia score: 100.2 (Near National Average), ranked 424 of 519 Georgia cities. monitorbankrates.com/housing-affordability-index/georgia/holly-springs”