Skip to content
Homiy home page
What's real hereHomes are fictional samples.Prices, rents, taxes and price trends are real public data, with sources.Homiy isn't a licensed brokerage yet and offers no services.See what's real and where it comes from

Menu

Ask HomiySearch homes
All cities

Atlanta market pulse

Real public data for Atlanta's ZIP codes, updated as the agencies publish.

Metro prices

+101%

in 10 years · Atlanta metro · 2016 Q2–2026 Q2

KnownSource: FHFA House Price Index, purchase-only, not seasonally adjusted, quarterly: Atlanta-Sandy Springs-Roswell, GA (MSAD) (metropolitan division 12054), 2000 Q1–2026 Q2 (opens in a new tab)

Past change, not a forecast.

Data table
Atlanta-Sandy Springs-Roswell, GA metro: FHFA house price index, 2016 Q2 to 2026 Q2
QuarterIndexChange since 2016 Q2
2016 Q2213.2—
2016 Q3215.7+1.2%
2016 Q4217.1+1.8%
2017 Q1219.6+3.0%
2017 Q2229.5+7.6%
2017 Q3231.5+8.6%
2017 Q4229.6+7.7%
2018 Q1238.8+12%
2018 Q2247.3+16%
2018 Q3251.9+18%
2018 Q4249.6+17%
2019 Q1252.8+19%
2019 Q2261.5+23%
2019 Q3262.1+23%
2019 Q4265.3+24%
2020 Q1271.2+27%
2020 Q2277.1+30%
2020 Q3286.0+34%
2020 Q4294.4+38%
2021 Q1305.9+43%
2021 Q2322.1+51%
2021 Q3339.9+59%
2021 Q4352.3+65%
2022 Q1373.9+75%
2022 Q2395.8+86%
2022 Q3390.2+83%
2022 Q4388.4+82%
2023 Q1387.1+82%
2023 Q2404.7+90%
2023 Q3410.2+92%
2023 Q4412.4+93%
2024 Q1414.2+94%
2024 Q2424.4+99%
2024 Q3426.9+100%
2024 Q4421.5+98%
2025 Q1430.1+102%
2025 Q2423.9+99%
2025 Q3422.9+98%
2025 Q4419.1+97%
2026 Q1427.6+101%
2026 Q2429.4+101%

Each index has its own base, so compare its changes, not its level.

Details

FHFA's purchase-only index for Atlanta-Sandy Springs-Roswell, GA: repeat sales of the same houses, from mortgages Fannie Mae and Freddie Mac purchased or securitized. It isn't seasonally adjusted, so each span starts in the quarter it ends.

ZIP by ZIP

+93%

The median ZIP's house price index, 2015–2025. 18 ZIPs, from +54% to +234%.

KnownSource: FHFA House Price Index, five-digit ZIP codes, annual (developmental, all-transactions), 2000–2025 (updated 2026-03-31) (opens in a new tab)

One-year ZIP changes are noisy: of last year's top-3 ZIPs in our 50 cities, 1 in 15 was top 3 again. Past change, not a forecast.

Loading the ZIP figures…
About these figures

FHFA's experimental ZIP house price index: houses with Fannie Mae or Freddie Mac loans, from sales and refinance appraisals. Condos, co-ops and multi-unit buildings aren't in it. 18 of Atlanta's 24 ZIPs have an index; FHFA publishes one only where enough sales exist. A ZIP whose index stops before the latest year shows the year it ends instead of changes. Each index has its own base, so compare a ZIP's changes, not its level.

Rent or buy here

EstimateMonthly housing payment (est.): 20% down · 30-year fixed at 7.03% (Freddie Mac average) · 360 monthly loan payments of $3,945 · APR not calculated (it depends on the lender's fees) · includes principal and interest, property tax, home insurance and any HOA dues, plus mortgage insurance below 20% down.7.03% is Freddie Mac's average 30-year fixed rate for the week of Sep 24, 2026, for buyers with 20% down and excellent credit. It isn't an offer or an APR.Source: Freddie Mac Primary Mortgage Market Survey · Sep 24, 2026 (opens in a new tab)$1,975

a month more to own a typical sample home than HUD's rent for its size, ZIP 30307

EstimateSource: U.S. Department of Housing and Urban Development, Small Area Fair Market Rents by ZIP code, FY2027, FY2027 (from Oct 1, 2026) (opens in a new tab)
Own: 4-bedroom sample house, $739,000Sample: fictional home, for the demo.
EstimateMonthly housing payment (est.): 20% down · 30-year fixed at 7.03% (Freddie Mac average) · 360 monthly loan payments of $3,945 · APR not calculated (it depends on the lender's fees) · includes principal and interest, property tax, home insurance and any HOA dues, plus mortgage insurance below 20% down.7.03% is Freddie Mac's average 30-year fixed rate for the week of Sep 24, 2026, for buyers with 20% down and excellent credit. It isn't an offer or an APR.Source: Freddie Mac Primary Mortgage Market Survey · Sep 24, 2026 (opens in a new tab)$5,115 a monthNot included: upkeep, utilities, flood insurance, special assessments.
Rent: HUD fair market rent, 4 bedrooms
$3,140 a monthHUD Small Area Fair Market Rent, FY2027: a 40th-percentile rent for a standard home, utilities included. Not an asking rent.
See this sample home

Lending

6.5%

Median rate, 30-year fixed conventional · 2,833 loans · 2025

KnownSource: FFIEC Home Mortgage Disclosure Act (HMDA) data: 2025 Snapshot National Loan-Level Dataset (data as of June 1, 2026), via the CFPB HMDA Data Browser; Homiy's calculations, 2025 loans; retrieved 2026-09-27 (opens in a new tab)

2025 home-purchase loans (first liens) on owner-occupied 1–4 unit homes in Atlanta's census tracts: 4,657 loans. Loans that closed, not offers: a rate depends on your credit, down payment, points and the day you lock it.

Middle half of rates
6.125% to 6.875%
Loan costs at closing
$7,013 medianMiddle half $5,250 to $10,009: origination charges (points included) and settlement services, Closing Disclosure section D · 3,257 loans
Loan limits, 2026
$832,750 conformingAbove it, a jumbo loan with its own rates and rules; FHA limit $718,750 (one-unit home, Fulton County). Limits set by FHFA and HUD.
More lending figures
Borrowed, every loan on the home combined
89% of the value (median)Middle half 80% to 96.5%. 56.2% of buyers borrowed more than 80% of the value, 41.5% more than 90%, 28.2% more than 95%. HMDA's combined loan-to-value counts every loan on the home (second loans, down-payment-assistance loans, financed FHA or VA fees) against the value the lender used, so it doesn't show the cash buyers put down · 4,545 loans
Loan types
Conventional 76.3% · FHA 19.2%VA 4.5% · USDA 0%
Discount points
51.9% of loans paid pointsMedian paid: $3,080. Points buy a lower rate.

For comparison: 7.03% is Freddie Mac's average 30-year fixed rate for the week of Sep 24, 2026, for buyers with 20% down and excellent credit. It isn't an offer or an APR.

Flood and insurance

$2,227 a year

Median of 20 Atlanta ZIPs' average homeowners premiums, 2022. Premiums have risen since; get quotes for your address.

KnownSource: U.S. Treasury, Federal Insurance Office: Analyses of U.S. Homeowners Insurance Markets, 2018–2022, Supporting Underlying Metrics by ZIP code (premiums per policy, nonrenewal rate), 2018–2022 (published January 2025) (opens in a new tab)
Federal flood insurance
1,663 policies in force · 1,718 claims since 2000FEMA National Flood Insurance Program, summed over 24 ZIPs (policies in force Jun 30, 2026; claims since 2000). Private flood policies aren't counted.
Policies insurers didn't renew
1.6% in the median ZIPU.S. Treasury Federal Insurance Office, 2022.

Most homeowners policies exclude flood, so flood insurance is a separate policy. Source: FEMA FloodSmart: What is my flood risk?, retrieved 2026-10-09 (opens in a new tab) Check an address on FEMA's flood map (opens in a new tab)

County hazard ratings (FEMA)

Natural hazards, compared with other U.S. counties

  • Fulton County, GA: expected yearly losses rated relatively high for inland flooding, tornado, hail.
    Other ratings for Fulton County, GA
    • EarthquakeRelatively Moderate
    • WildfireVery Low
    • HurricaneRelatively Low
    • Heat waveRelatively Moderate
    • Winter weatherRelatively Moderate
  • DeKalb County, GA: expected yearly losses rated relatively high for inland flooding, tornado, hail.
    Other ratings for DeKalb County, GA
    • EarthquakeRelatively Moderate
    • WildfireVery Low
    • HurricaneRelatively Low
    • Heat waveRelatively Moderate
    • Winter weatherRelatively Moderate

FEMA National Risk Index December 2025: Expected Annual Loss rating of each hazard, by county (NRI December 2025): expected annual losses to buildings, people and agriculture; FEMA's social-vulnerability adjustments aren't included. This describes each county, not one home. Check an address on FEMA's flood map; in a high-risk flood zone, a federally backed loan requires flood insurance.

What's new in Atlanta

Rail openings, zoning changes and big projects from primary sources, newest first. News, not a price forecast.

  1. Project

    Summerhill BRT construction launches

    MARTA and Atlanta broke ground on the region’s first BRT corridor. The original delivery forecast is not promoted to a verified opening or a firm future opening date.

    MARTA, Summerhill BRT groundbreaking (opens in a new tab)
  2. Project

    Southside Beltline Segments 4 and 5 break ground

    The trail project links the Glenwood Avenue and Boulevard corridor. This is a dated construction milestone; the 2023 announcement is not used to claim a later opening date.

    Atlanta Beltline, Southside Trail Segments 4/5 groundbreaking (opens in a new tab)

Rules in Georgia

From state law, standard contract forms and local custom. Research, not legal advice.

ClosingRule
Attorneys run the closing. A lawyer must conduct it.
Seller's disclosureRule
Not generally required (GAR Seller's Property Disclosure Statement (contractual; no universal statutory form)).
Closing taxesRule
Georgia real estate transfer tax: 0.1% of the price · seller paysGeorgia intangible recording tax: 0.3% of the loan · buyer pays
How buying works in Georgia
Who runs the closing
Attorneys run the closing. A lawyer must conduct it. Typical time from contract to keys: about 30 days.
The contract
Your signed offer becomes a binding contract once the seller accepts it.
Details

Georgia REALTORS Purchase and Sale Agreement F201 with elected financing exhibits

Buyer agreement
Georgia written buyer brokerage engagement agreement, signed before touring.
Details

Homiy's prototype requires a written agreement before a represented tour. NAR's rule binds participating MLS brokers; do not describe it as a universal state law. Compensation is negotiable and total brokerage pay cannot exceed the agreement.

Source: NAR: written buyer agreements before touring (MLS participation rule, not a universal state statute) (reviewed 2026-09-27)

Due diligence
10 days to inspect and investigate. Any due diligence fee paid to the seller usually isn't refunded if you walk away.
Details

10 days is a sample negotiated DD period. F201 permits timely written termination during the agreed period; financing/appraisal exhibits can provide separate conditions. Unlike NC, do not automatically charge a seller-paid DD fee: any fee/option money must be expressly negotiated. If one is agreed as nonrefundable, follow its exceptions; no statutory fee or range is assumed.

Inspection
About 10 days for inspections.
Details

Complete inspection during negotiated DD; requesting repairs alone is not a notice terminating the contract. 10 calendar days is a negotiable sample planning period, not a statutory deadline.

Earnest money
1–3% of the price, due within 3 days, held by: Named broker or closing attorney trust account.
Details

Sample only: delivery within 3 calendar days and 1–3% earnest money; the signed contract controls. Buyer delivery is distinct from the holder's statutory deposit deadline.

Seller's disclosure
Not generally required (GAR Seller's Property Disclosure Statement (contractual; no universal statutory form)).
Details

Known latent material defects cannot be fraudulently concealed. Buyer's inspections and written contract govern; no generic statutory three-day resale rescission period.

Source: Georgia Real Estate Commission rules, Chapter 520-1 (reviewed 2026-09-27)

Loan and appraisal
Loan contingency: 21 days (set in the contract).
Details

21-day financing period and the typical closing time are sample planning assumptions, not measured averages or legal rights. Financing and appraisal protection require the signed form/addenda; an appraisal shortfall is not automatically protected. Use the elected loan/appraisal exhibit; DD expiry and loan contingency expiry are different gates. A Georgia attorney conducts closing and controls the legal work.

Title insurance
The buyer customarily pays for the owner's policy.
Details

Payer is a negotiable local custom, not a mandatory charge; obtain a title quote and follow the signed allocation. Filed insurer/rating-bureau rates are not a state-promulgated price.

Property tax for a new owner
Your property tax follows the county's assessed market value. About 1.6% of the price a year is our planning figure for Atlanta; your bill can differ.
Details

Georgia generally assesses real property at 40% of fair market value. Apply all city, county and school millages; local homestead/floating exemptions and HB581 participation differ. A seller's protected base is not a buyer quote.

Fulton County Tax Commissioner2025 Atlanta total40.909 mills ×40% assessment ratio =1.63636% of fair-market value, before homestead/floating exemptions and special levies. Uses Atlanta-in-Fulton, not DeKalb or suburban Fulton districts. Purchase price is a planning proxy, not the seller's protected base. HOA range and lender-title percentage are SAMPLE inputs.

Agent credits to the buyer
Georgia allows an agent to credit part of their pay to the buyer, with the lender's approval.
Details

GREC compensation/disclosure rules permit documented concessions to a principal, not pay for unlicensed brokerage; disclose all compensation and the lender-approved credit. See 520-1-.10(6) and OCGA43-40-25(b)(6).

Source: Georgia Real Estate Commission rules, Chapter 520-1 (reviewed 2026-09-27)

Closing taxes

Closing taxes in Atlanta, who customarily pays and the rate
TaxCustomarily paid byRate
Georgia real estate transfer taxSeller0.1% of the priceGeorgia DOR: real estate transfer tax
Georgia intangible recording taxOnly for: house, townhouse, condoBuyer0.3% of the loanGeorgia DOR: intangible recording tax
Sources (10)

Programs and deadlines

Official pages for Atlanta, the same for every buyer. Each program decides who qualifies.

Down-payment help
Georgia Dream (opens in a new tab) (Georgia Department of Community Affairs (DCA))Down payment and closing cost funding for first-time homebuyers: up to $10,000 (Standard) or $12,500 (PEN and CHOICE), as a 0% second mortgage.Official page, checked 2026-09-28.Georgia's housing finance agency runs it; the program decides who qualifies and for how much.
Down-payment help in Atlanta
Homebuyer Programs & Downpayment Assistance (opens in a new tab) (Invest Atlanta)Programs such as ATL HomeNOW, up to $20,000 toward a home within Atlanta's city limits; buyers contribute $1,500 of their own funds.Official page, checked 2026-09-28.
Homestead exemption
Apply for a Homestead Exemption (opens in a new tab) (Georgia.gov)A homestead exemption reduces the property taxes homeowners owe on their legal residence; file with the county or city where the home is.Deadline: April 1 for the current tax yearOfficial page, checked 2026-09-28.
If you disagree with your assessment
Appealing Your Assessment (opens in a new tab) (Fulton County Board of Assessors)Appeal the assessed value (not the estimated tax) if it doesn't reflect your property's fair market value.When: 45 days from the date of the Notice of AssessmentOfficial page, checked 2026-09-28.
After you buy: alerts on your deed
We found no county alert service for documents recorded on your home. Where we looked: Fulton County Clerk of Superior and Magistrate Court site (new land records system went live September 8, 2026) and web searches.Checked 2026-09-28.

Sample homes in Atlanta, each with its estimated monthly cost and the things to check. Found one somewhere else? Check it here.

Search AtlantaCheck a home
Sources (32)