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Prototype of a planned home-buying brokerage for the 50 largest U.S. cities. Not a licensed brokerage in any state, and no brokerage services are offered. Listings, people and companies are sample data; market statistics are real public data, cited where shown.

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Trends · Georgia

House prices and costs in Atlanta, GA

How house prices moved across 24 Atlanta ZIP codes, what buyers here borrowed and paid, what's new and how buying works in Georgia. Public data, with sources and dates. Past change, not a forecast.

Atlanta-Sandy Springs-Roswell, GA metro house prices +1.3% in the year to 2026 Q2 (FHFA, purchases)

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.

How house prices moved in Atlanta, 2022–2025

Of 18 ZIPs with enough data, 13 rose 7% or more, 0 fell 7% or more and 5 moved less (no clear change). Past rankings are a weak guide: of the ZIPs in their city's top 3 for 2019–2022, 25 of 134 (about 1 in 5) were top 3 again for 2022–2025; chance alone would give about 21. Past change, not a forecast.

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. Tap a ZIP to see it on the map.

Largest house-price rises, 2022–2025

3-year change of the ZIP index; ZIPs with an index every year, 5,000+ residents and 1,000+ owner-occupied homes. Left out as too jumpy: a ZIP whose index rose 7% or more in one year and fell as much in another. Each year's change below.

  1. 1ZIP 303272023 +15.3% · 2024 +2.9% · 2025 +5.0%+24.6%
  2. 2ZIP 303422023 +7.0% · 2024 +9.0% · 2025 +1.0%+17.8%
  3. 3ZIP 303242023 +4.6% · 2024 +3.4% · 2025 +6.7%+15.4%
  4. 4ZIP 30308 · includes Midtown2023 +10.7% · 2024 +0.9% · 2025 +1.6%+13.5%
  5. 5ZIP 30309 · includes Midtown2023 +0.2% · 2024 +8.2% · 2025 +4.5%+13.3%

Largest house-price falls, 2022–2025

3-year change of the ZIP index; ZIPs with an index every year, 5,000+ residents and 1,000+ owner-occupied homes. Left out as too jumpy: a ZIP whose index rose 7% or more in one year and fell as much in another. Each year's change below.

No Atlanta ZIP's house prices fell 7% or more from 2022 to 2025.

Lowest owner-reported values

Median value owners report (Census ACS 2020–2024). Left out: ZIPs under 1,000 residents, less reliable estimates, and ZIPs where most owners live in condos or co-ops.

  1. 1ZIP 30354± $39K · ≈ $1,975/mo housing payment (est.) on a house, 20% down$274K
  2. 2ZIP 30311± $18K · ≈ $2,078/mo housing payment (est.) on a house, 20% down$289K
  3. 3ZIP 30331± $16K · ≈ $2,212/mo housing payment (est.) on a house, 20% down$309K
  4. 4ZIP 30315± $22K · ≈ $2,270/mo housing payment (est.) on a house, 20% down$318K
  5. 5ZIP 30310± $17K · ≈ $2,421/mo housing payment (est.) on a house, 20% down$340K

Population grew most

Residents, 2015–2019 to 2020–2024 (Census ACS): only changes larger than the margin of error, in ZIPs with 1,000+ residents.

  1. 1ZIP 30308 · includes Midtown23,181 residents+23.0%
  2. 2ZIP 30309 · includes Midtown32,479 residents+22.4%
  3. 3ZIP 30305 · includes Buckhead28,110 residents+14.5%
  4. 4ZIP 3031715,622 residents+13.0%
  5. 5ZIP 30307 · includes Inman Park21,709 residents+8.3%

Public loan records · 2025

What buyers here actually borrowed and paid (2025)

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

Interest rate, 30-year fixed (conventional)
6.125% to 6.875%Middle half of loans; median 6.5% · 2,833 loans
Loan costs at closing
$5,250 to $10,009Middle half; median $7,013. Origination charges (points included) and settlement services, Closing Disclosure section D · 3,257 loans
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: every loan on the home (second loans, down-payment-assistance loans and financed FHA or VA fees too) ÷ 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.
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)

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. Source: 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).

Research · dated and sourced

What's new in Atlanta

Rail openings, zoning changes and big projects from primary sources, newest first. Stars on the map mark the ones with a location. 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
  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

Metro area · public data

Atlanta-Sandy Springs-Roswell, GA

House prices, year to 2026 Q2
+1.3%FHFA purchase-only index
House prices, 5 years to 2026 Q2
+33.3%FHFA purchase-only index
House prices, 2025
+2.3%All sales and refinances, like the ZIP figures; 2022–2025: +13.2%
New homes permitted
5.3 per 1,000 residents34,336 homes · +0.2% vs a year earlier · Sep 2025–Aug 2026
Jobs, 12 months
-0.5%Aug 2026 (preliminary)
Population, July 2020 to July 2025
+5.9%6,482,182 residents in July 2025 (Census estimates)
Mortgage rate benchmark
7.03%Freddie Mac average, week of Sep 24, 2026

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. New homes permitted is a supply signal: more permits per resident usually means more homes coming to market. Jobs, permits and population cover the whole metro.

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 this home. Check the address on FEMA's flood map; in a high-risk flood zone, a federally backed loan requires flood insurance.

Sources (9)

Research summary · not legal advice

How buying works in Georgia

The usual steps, deadlines and closing costs for a purchase in Atlanta, from state law, standard contract forms and local custom. Contracts can change any of it. Homiy is a prototype: it isn't a licensed brokerage in Georgia and offers no services here.

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

Programs and after you buy

Down-payment help
Georgia Dream (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 (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 (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 (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.
Sources (10)

Methodology

How we measure, and what it isn't

Past change, not a forecast. These figures describe the past from public data; they don't tell you where prices go next.

House prices by ZIP, and the rankings

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. It's built from repeat sales and refinance appraisals of the same homes, not average sale prices, and FHFA publishes no margin of error for it. We rank ZIPs by the change over the last 3 years, only where FHFA published the index in every one of them, and only ZIPs with 5,000+ residents and 1,000+ owner-occupied homes. A change smaller than 7% either way is “no clear change”: in our 50 cities, the index's own year-to-year swings suggest sampling alone can move a three-year change about that much. A ZIP whose index rose 7% or more in one year and fell as much in another is left out as too jumpy. We show rises and falls, each year's change, and the city's and metro's figures for the same years. Past rankings are a weak guide: of the ZIPs in their city's top 3 for 2019–2022, 25 of 134 (about 1 in 5) were top 3 again for 2022–2025; chance alone would give about 21. Many ZIPs, especially dense ones, have no index.

City and metro price figures

City: the resident-weighted average of its ZIPs that have an index (the ZIP card says when that's only part of the city). Metro: FHFA's all-transactions index over the same calendar years, the ZIPs' method; the metro card also shows FHFA's purchase-only index for the latest quarter against a year and five years earlier. Where FHFA splits a metro into divisions (New York, Miami, Detroit and others), the division's index, named where it's shown. Jobs, permits and population always cover the whole metro.

Payment ÷ income

Monthly housing payment (est.) on a house at the ZIP's median value: 20% down · 30-year fixed at 7.03% (Freddie Mac average) · 360 monthly loan payments · 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. Property tax uses Atlanta's rule for a new buyer (about 1.6% of the price a year, our planning figure); insurance is a typical premium. Not included: upkeep, utilities, flood insurance, special assessments. Divided by a month of the ZIP's median household income. The Census reports values over $2 million and incomes over $250,000 only as “or more”, so those shares are bounds (“at least”, “at most”). Left out where 50% or more of owner-occupied homes are in buildings with 5+ units: their HOA dues or co-op charges aren't in the payment. It combines two estimates, so no margin is computed. 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.

Census figures and margins of error

American Community Survey 5-year estimates, 2020–2024: the median value owners report for their homes (it lags sale prices; co-op owners report the value of their shares), median rent with utilities, median household income, residents, and the property tax and monthly costs owners report. Each comes with its 90% margin of error (±). Figures whose margin is 20–49% of the estimate are marked “less reliable” and left out of rankings and tags; figures with wider margins aren't shown. A population change (from 2015–2019) is shown only when it passes the Census Bureau's 90% significance test; otherwise it says “no clear change”. Atlanta's own figures come from the Census's estimates for the city itself where published; otherwise they blend its ZIPs (no margin computed). Lists leave out ZIPs with fewer than 1,000 residents.

Tags

Lower home values:
The median value owners report is in the lowest quarter of the city's ZIPs (Census ACS). Less reliable estimates and ZIPs where most owners live in condos or co-ops aren't compared.
Population grew:
Residents rose 5% or more between the two latest five-year Census surveys, by more than the margin of error.
Mostly condos or co-ops:
Half or more of owner-occupied homes are in buildings with 5 or more units. Values there leave out HOA dues and co-op charges, so they aren't ranked.
New rail nearby:
A rail station opened within about a mile in 2023–2026.

“New rail nearby” uses our dated news pins: a ZIP whose center is within 1,600 m of a station that opened, plus the ZIP the station sits in. No tag describes price momentum.

Hazards and flood insurance

FEMA's National Risk Index rates each county's expected yearly losses from each hazard against all U.S. counties; we show those Expected Annual Loss ratings for every county the city lies in, without FEMA's social-vulnerability adjustments. They describe counties, not homes. Flood insurance counts are policies and claims in the federal program (NFIP) only. Check an address's flood zone on FEMA's flood map.

What buyers borrowed and paid

Public HMDA loan records: home-purchase first liens on owner-occupied 1–4 unit homes in the city (the card names the area covered), with the number of loans behind each figure. Loans that closed, not offers or quotes.

Neutral by design

We describe prices, payments, population counts, construction and rail lines. We don't describe places by who lives there, schools or crime, and we don't call areas “up-and-coming”, “transitional” or “safe”. Choose where to live for your own reasons.

Sources and dates