The typical owner-occupied home in Cecil is worth about $94,400, 69% below the Georgia median of $303,300 and 72% below the national median of $332,700. The median household earns $43,250 a year, so the median home costs 2.2 times the median income (3.9 times for Georgia). 64% of occupied homes here are lived in by their owners, and 65% of those owners still have a mortgage.
Cecil at a glance
| Cecil | Georgia | U.S. | |
|---|---|---|---|
| Median home value | $94,400 | $303,300 | $332,700 |
| Median property tax paid per year | – | $2,341 | $3,119 |
| Median household income | $43,250 | $77,353 | $80,734 |
| Homes lived in by their owners | 64% | 66% | 65% |
| Owner homes with a mortgage | 65% | 63% | 61% |
| Median monthly costs, owners with a mortgage | $960 | $1,783 | $1,963 |
| Those costs as a share of the owners' income | 30.0% | 20.0% | 21.0% |
| Median rent | $1,080 | $1,393 | $1,413 |
| Rent as a share of renters' income | 35.3% | 31.3% | 30.6% |
| Median year homes were built | 1996 | 1992 | 1980 |
| Vacant homes | 13.1% | 10.3% | 10.1% |
| Population | 486 | 10,940,407 | 334,922,499 |
What a typical home costs per month in Cecil
At this week's average 30-year rate of 7.11%, buying the median Cecil home of $94,400 with 20% down costs about $634 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $791, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $27,167 for the 20%-down payment. That payment is 18% of the median Cecil household income of $43,250; at that income and 20% down, the 28% guideline points to a home of about $150,000.
The median rent here is $1,080 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $18,880 |
|---|---|
| Loan amount | $75,520 |
| Principal and interest | $508 |
| Property taxes (1.10% a year) | $87 |
| Homeowners insurance (our estimate, 0.5% a year) | $39 |
| PMI | $0 |
| Total per month | $634 |
Change the numbers in the calculator
| Down payment | $3,304 |
|---|---|
| Loan amount | $92,690 |
| Principal and interest | $624 |
| Property taxes (1.10% a year) | $87 |
| Homeowners insurance (our estimate, 0.5% a year) | $39 |
| FHA mortgage insurance | $42 |
| Total per month | $791 |
Change the numbers in the calculator
Questions about home buying in Cecil
What is the median home value in Cecil?
About $94,400 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
What income do you need to buy a home in Cecil?
For the median home with 20% down at 7.11%, the payment is about $634 a month. Keeping that under 28% of gross income takes about $27,167 a year.
More about Cecil
- Mortgage Refinance in Cecil
- Debt Relief in Cecil
- Home Equity Loans in Cecil
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data