The typical owner-occupied home in Ailey is worth about $124,300, 59% below the Georgia median of $303,300 and 63% below the national median of $332,700. Owners pay a median $1,348 a year in property taxes, about 1.08% of their home's value, higher than the Georgia rate of 0.77%. The median household earns $48,750 a year, so the median home costs 2.5 times the median income (3.9 times for Georgia). 85% of occupied homes here are lived in by their owners, and 56% of those owners still have a mortgage.
Ailey at a glance
| Ailey | Georgia | U.S. | |
|---|---|---|---|
| Median home value | $124,300 | $303,300 | $332,700 |
| Median property tax paid per year | $1,348 | $2,341 | $3,119 |
| Property tax as a share of value | 1.08% | 0.77% | 0.94% |
| Median household income | $48,750 | $77,353 | $80,734 |
| Homes lived in by their owners | 85% | 66% | 65% |
| Owner homes with a mortgage | 56% | 63% | 61% |
| Median monthly costs, owners with a mortgage | $1,199 | $1,783 | $1,963 |
| Those costs as a share of the owners' income | 18.9% | 20.0% | 21.0% |
| Median rent | $778 | $1,393 | $1,413 |
| Median year homes were built | 1972 | 1992 | 1980 |
| Vacant homes | 16.3% | 10.3% | 10.1% |
| Population | 489 | 10,940,407 | 334,922,499 |
What a typical home costs per month in Ailey
At this week's average 30-year rate of 7.11%, buying the median Ailey home of $124,300 with 20% down costs about $833 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,040, 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 $35,683 for the 20%-down payment. That payment is 20% of the median Ailey household income of $48,750; at that income and 20% down, the 28% guideline points to a home of about $170,000.
The median rent here is $778 a month, so owning the median home costs about $55 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $24,860 |
|---|---|
| Loan amount | $99,440 |
| Principal and interest | $669 |
| Property taxes (1.08% a year) | $112 |
| Homeowners insurance (our estimate, 0.5% a year) | $52 |
| PMI | $0 |
| Total per month | $833 |
Change the numbers in the calculator
| Down payment | $4,350 |
|---|---|
| Loan amount | $122,049 |
| Principal and interest | $821 |
| Property taxes (1.08% a year) | $112 |
| Homeowners insurance (our estimate, 0.5% a year) | $52 |
| FHA mortgage insurance | $55 |
| Total per month | $1,040 |
Change the numbers in the calculator
Questions about home buying in Ailey
What is the median home value in Ailey?
About $124,300 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Ailey?
Homeowners pay a median $1,348 a year, which is about 1.08% 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 Ailey?
For the median home with 20% down at 7.11%, the payment is about $833 a month. Keeping that under 28% of gross income takes about $35,683 a year.
More about Ailey
- Mortgage Refinance in Ailey
- Debt Relief in Ailey
- Home Equity Loans in Ailey
- 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