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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

Villa Rica, GA Housing Affordability Index

Villa Rica, Georgia has an MBR Housing Affordability Index score of 118.1 (More Affordable Than Average) as of October 30, 2026, ranking 298th most affordable of 519 scored Georgia cities, compared with 105.8 statewide and 97.4 nationally. On a median-priced $274,200 home with 20% down, the Georgia average 30-year fixed rate of 7.28% means a monthly principal and interest payment of about $1,501, or 21% of the city’s $87,803 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Villa Rica 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.

Villa Rica MBR-HAI 118.1 More Affordable Than Average
Rank in Georgia 298 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 $274,200 U.S. Census Bureau

Villa Rica is 12.3 points above the Georgia score. Scores as of October 30, 2026. See the Georgia index

View Villa Rica Mortgage Rates

What It Takes to Buy in Villa Rica

$1,501/mo
Principal & Interest
Median home, 20% down, 7.28%
$64,300
Income Needed
To keep the payment at 28% of income
$87,803
Median Household Income
Georgia: $77,353
3.1x
Price-to-Income Ratio
Georgia: 3.9x
$1,428/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$2,307/yr
Median Property Tax
0.84% of median value
30.8%
Owner Cost Burden
Owners spending 30%+ of income on housing
31.5%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Villa Rica Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Villa Rica, Georgia score: 118.1 (More Affordable Than Average), ranked 298 of 519 Georgia cities. monitorbankrates.com/housing-affordability-index/georgia/villa-rica”