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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

Odum, GA Housing Affordability Index

Odum, Georgia has an MBR Housing Affordability Index score of 210.7 (Highly Affordable) as of October 30, 2026, ranking 25th most affordable of 519 scored Georgia cities, compared with 105.8 statewide and 97.4 nationally. On a median-priced $90,000 home with 20% down, the Georgia average 30-year fixed rate of 7.28% means a monthly principal and interest payment of about $493, or 10% of the city’s $60,795 median household income.

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

Odum MBR-HAI 210.7 Highly Affordable
Rank in Georgia 25 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 $90,000 U.S. Census Bureau

Odum is 104.9 points above the Georgia score. Scores as of October 30, 2026. See the Georgia index

View Odum Mortgage Rates

What It Takes to Buy in Odum

$493/mo
Principal & Interest
Median home, 20% down, 7.28%
$21,100
Income Needed
To keep the payment at 28% of income
$60,795
Median Household Income
Georgia: $77,353
1.5x
Price-to-Income Ratio
Georgia: 3.9x
$468/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$2,048/yr
Median Property Tax
Georgia figure
7.5%
Owner Cost Burden
Owners spending 30%+ of income on housing
33.3%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Odum Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Odum, Georgia score: 210.7 (Highly Affordable), ranked 25 of 519 Georgia cities. monitorbankrates.com/housing-affordability-index/georgia/odum”