The typical owner-occupied home in Cadwell is worth about $78,400, 74% below the Georgia median of $303,300 and 76% below the national median of $332,700. Owners pay a median $456 a year in property taxes, about 0.58% of their home's value, lower than the Georgia rate of 0.77%. The median household earns $45,625 a year, so the median home costs 1.7 times the median income (3.9 times for Georgia). 62% of occupied homes here are lived in by their owners, and 31% of those owners still have a mortgage.
Cadwell at a glance
| Cadwell | Georgia | U.S. | |
|---|---|---|---|
| Median home value | $78,400 | $303,300 | $332,700 |
| Median property tax paid per year | $456 | $2,341 | $3,119 |
| Property tax as a share of value | 0.58% | 0.77% | 0.94% |
| Median household income | $45,625 | $77,353 | $80,734 |
| Homes lived in by their owners | 62% | 66% | 65% |
| Owner homes with a mortgage | 31% | 63% | 61% |
| Median monthly costs, owners with a mortgage | $1,000 | $1,783 | $1,963 |
| Those costs as a share of the owners' income | 22.5% | 20.0% | 21.0% |
| Median rent | $763 | $1,393 | $1,413 |
| Rent as a share of renters' income | 26.2% | 31.3% | 30.6% |
| Median year homes were built | 1966 | 1992 | 1980 |
| Vacant homes | 10.4% | 10.3% | 10.1% |
| Population | 470 | 10,940,407 | 334,922,499 |
What a typical home costs per month in Cadwell
At this week's average 30-year rate of 7.11%, buying the median Cadwell home of $78,400 with 20% down costs about $492 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $623, 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 $21,106 for the 20%-down payment. That payment is 13% of the median Cadwell household income of $45,625; at that income and 20% down, the 28% guideline points to a home of about $169,000.
The median rent here is $763 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $15,680 |
|---|---|
| Loan amount | $62,720 |
| Principal and interest | $422 |
| Property taxes (0.58% a year) | $38 |
| Homeowners insurance (our estimate, 0.5% a year) | $33 |
| PMI | $0 |
| Total per month | $492 |
Change the numbers in the calculator
| Down payment | $2,744 |
|---|---|
| Loan amount | $76,980 |
| Principal and interest | $518 |
| Property taxes (0.58% a year) | $38 |
| Homeowners insurance (our estimate, 0.5% a year) | $33 |
| FHA mortgage insurance | $35 |
| Total per month | $623 |
Change the numbers in the calculator
Questions about home buying in Cadwell
What is the median home value in Cadwell?
About $78,400 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Cadwell?
Homeowners pay a median $456 a year, which is about 0.58% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Cadwell?
For the median home with 20% down at 7.11%, the payment is about $492 a month. Keeping that under 28% of gross income takes about $21,106 a year.
More about Cadwell
- Mortgage Refinance in Cadwell
- Debt Relief in Cadwell
- Home Equity Loans in Cadwell
- 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