The typical owner-occupied home in Zebulon is worth about $213,400, 30% below the Georgia median of $303,300 and 36% below the national median of $332,700. Owners pay a median $1,679 a year in property taxes, about 0.79% of their home's value, close to the Georgia rate of 0.77%. The median household earns $49,706 a year, so the median home costs 4.3 times the median income (3.9 times for Georgia). 54% of occupied homes here are lived in by their owners, and 53% of those owners still have a mortgage.
Zebulon at a glance
| Zebulon | Georgia | U.S. | |
|---|---|---|---|
| Median home value | $213,400 | $303,300 | $332,700 |
| Median property tax paid per year | $1,679 | $2,341 | $3,119 |
| Property tax as a share of value | 0.79% | 0.77% | 0.94% |
| Median household income | $49,706 | $77,353 | $80,734 |
| Homes lived in by their owners | 54% | 66% | 65% |
| Owner homes with a mortgage | 53% | 63% | 61% |
| Median monthly costs, owners with a mortgage | $1,563 | $1,783 | $1,963 |
| Those costs as a share of the owners' income | 18.8% | 20.0% | 21.0% |
| Median rent | $937 | $1,393 | $1,413 |
| Rent as a share of renters' income | 20.8% | 31.3% | 30.6% |
| Median year homes were built | 1985 | 1992 | 1980 |
| Vacant homes | 18.1% | 10.3% | 10.1% |
| Population | 1,698 | 10,940,407 | 334,922,499 |
What a typical home costs per month in Zebulon
At this week's average 30-year rate of 7.11%, buying the median Zebulon home of $213,400 with 20% down costs about $1,378 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,733, 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 $59,051 for the 20%-down payment. That payment is 33% of the median Zebulon household income of $49,706; at that income and 20% down, the 28% guideline points to a home of about $180,000.
The median rent here is $937 a month, so owning the median home costs about $441 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $42,680 |
|---|---|
| Loan amount | $170,720 |
| Principal and interest | $1,148 |
| Property taxes (0.79% a year) | $140 |
| Homeowners insurance (our estimate, 0.5% a year) | $89 |
| PMI | $0 |
| Total per month | $1,378 |
Change the numbers in the calculator
| Down payment | $7,469 |
|---|---|
| Loan amount | $209,535 |
| Principal and interest | $1,410 |
| Property taxes (0.79% a year) | $140 |
| Homeowners insurance (our estimate, 0.5% a year) | $89 |
| FHA mortgage insurance | $94 |
| Total per month | $1,733 |
Change the numbers in the calculator
Questions about home buying in Zebulon
What is the median home value in Zebulon?
About $213,400 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Zebulon?
Homeowners pay a median $1,679 a year, which is about 0.79% 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 Zebulon?
For the median home with 20% down at 7.11%, the payment is about $1,378 a month. Keeping that under 28% of gross income takes about $59,051 a year.
More about Zebulon
- Mortgage Refinance in Zebulon
- Debt Relief in Zebulon
- Home Equity Loans in Zebulon
- 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