The typical owner-occupied home in Fort Valley is worth about $127,100, 58% below the Georgia median of $303,300 and 62% below the national median of $332,700. Owners pay a median $1,380 a year in property taxes, about 1.09% of their home's value, higher than the Georgia rate of 0.77%. The median household earns $50,283 a year, so the median home costs 2.5 times the median income (3.9 times for Georgia). 41% of occupied homes here are lived in by their owners, and 36% of those owners still have a mortgage.
Fort Valley at a glance
| Fort Valley | Georgia | U.S. | |
|---|---|---|---|
| Median home value | $127,100 | $303,300 | $332,700 |
| Median property tax paid per year | $1,380 | $2,341 | $3,119 |
| Property tax as a share of value | 1.09% | 0.77% | 0.94% |
| Median household income | $50,283 | $77,353 | $80,734 |
| Homes lived in by their owners | 41% | 66% | 65% |
| Owner homes with a mortgage | 36% | 63% | 61% |
| Median monthly costs, owners with a mortgage | $1,359 | $1,783 | $1,963 |
| Those costs as a share of the owners' income | 16.6% | 20.0% | 21.0% |
| Median rent | $886 | $1,393 | $1,413 |
| Rent as a share of renters' income | 24.1% | 31.3% | 30.6% |
| Median year homes were built | 1969 | 1992 | 1980 |
| Vacant homes | 20.8% | 10.3% | 10.1% |
| Population | 8,858 | 10,940,407 | 334,922,499 |
What a typical home costs per month in Fort Valley
At this week's average 30-year rate of 7.11%, buying the median Fort Valley home of $127,100 with 20% down costs about $852 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,064, 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 $36,532 for the 20%-down payment. That payment is 20% of the median Fort Valley household income of $50,283; at that income and 20% down, the 28% guideline points to a home of about $175,000.
The median rent here is $886 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $25,420 |
|---|---|
| Loan amount | $101,680 |
| Principal and interest | $684 |
| Property taxes (1.09% a year) | $115 |
| Homeowners insurance (our estimate, 0.5% a year) | $53 |
| PMI | $0 |
| Total per month | $852 |
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| Down payment | $4,448 |
|---|---|
| Loan amount | $124,798 |
| Principal and interest | $840 |
| Property taxes (1.09% a year) | $115 |
| Homeowners insurance (our estimate, 0.5% a year) | $53 |
| FHA mortgage insurance | $56 |
| Total per month | $1,064 |
Change the numbers in the calculator
Questions about home buying in Fort Valley
What is the median home value in Fort Valley?
About $127,100 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Fort Valley?
Homeowners pay a median $1,380 a year, which is about 1.09% 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 Fort Valley?
For the median home with 20% down at 7.11%, the payment is about $852 a month. Keeping that under 28% of gross income takes about $36,532 a year.
More about Fort Valley
- Mortgage Refinance in Fort Valley
- Debt Relief in Fort Valley
- Home Equity Loans in Fort Valley
- 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