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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

Lumber City, GA Housing Affordability Index

Lumber City, Georgia has an MBR Housing Affordability Index score of 141.4 (Highly Affordable) as of October 30, 2026, ranking 172nd most affordable of 519 scored Georgia cities, compared with 105.8 statewide and 97.4 nationally. On a median-priced $77,200 home with 20% down, the Georgia average 30-year fixed rate of 7.28% means a monthly principal and interest payment of about $423, or 15% of the city’s $32,841 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Lumber City 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.

Lumber City MBR-HAI 141.4 Highly Affordable
Rank in Georgia 172 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 $77,200 U.S. Census Bureau

Lumber City is 35.6 points above the Georgia score. Scores as of October 30, 2026. See the Georgia index

View Lumber City Mortgage Rates

What It Takes to Buy in Lumber City

$423/mo
Principal & Interest
Median home, 20% down, 7.28%
$18,100
Income Needed
To keep the payment at 28% of income
$32,841
Median Household Income
Georgia: $77,353
2.4x
Price-to-Income Ratio
Georgia: 3.9x
$431/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$2,048/yr
Median Property Tax
Georgia figure
26.1%
Owner Cost Burden
Owners spending 30%+ of income on housing
35.2%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Lumber City Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Lumber City, Georgia score: 141.4 (Highly Affordable), ranked 172 of 519 Georgia cities. monitorbankrates.com/housing-affordability-index/georgia/lumber-city”