The typical owner-occupied home in Rocky Ford is worth about $84,300, 72% below the Georgia median of $303,300 and 75% below the national median of $332,700. Owners pay a median $1,068 a year in property taxes, about 1.27% of their home's value, higher than the Georgia rate of 0.77%. The median household earns $62,589 a year, so the median home costs 1.3 times the median income (3.9 times for Georgia). 81% of occupied homes here are lived in by their owners, and 25% of those owners still have a mortgage.
Rocky Ford at a glance
| Rocky Ford | Georgia | U.S. | |
|---|---|---|---|
| Median home value | $84,300 | $303,300 | $332,700 |
| Median property tax paid per year | $1,068 | $2,341 | $3,119 |
| Property tax as a share of value | 1.27% | 0.77% | 0.94% |
| Median household income | $62,589 | $77,353 | $80,734 |
| Homes lived in by their owners | 81% | 66% | 65% |
| Owner homes with a mortgage | 25% | 63% | 61% |
| Median monthly costs, owners with a mortgage | $858 | $1,783 | $1,963 |
| Those costs as a share of the owners' income | 44.5% | 20.0% | 21.0% |
| Median rent | – | $1,393 | $1,413 |
| Median year homes were built | 1956 | 1992 | 1980 |
| Vacant homes | 11.2% | 10.3% | 10.1% |
| Population | 276 | 10,940,407 | 334,922,499 |
What a typical home costs per month in Rocky Ford
At this week's average 30-year rate of 7.11%, buying the median Rocky Ford home of $84,300 with 20% down costs about $578 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $718, 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 $24,772 for the 20%-down payment. That payment is 11% of the median Rocky Ford household income of $62,589; at that income and 20% down, the 28% guideline points to a home of about $213,000.
| Down payment | $16,860 |
|---|---|
| Loan amount | $67,440 |
| Principal and interest | $454 |
| Property taxes (1.27% a year) | $89 |
| Homeowners insurance (our estimate, 0.5% a year) | $35 |
| PMI | $0 |
| Total per month | $578 |
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| Down payment | $2,950 |
|---|---|
| Loan amount | $82,773 |
| Principal and interest | $557 |
| Property taxes (1.27% a year) | $89 |
| Homeowners insurance (our estimate, 0.5% a year) | $35 |
| FHA mortgage insurance | $37 |
| Total per month | $718 |
Change the numbers in the calculator
Questions about home buying in Rocky Ford
What is the median home value in Rocky Ford?
About $84,300 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Rocky Ford?
Homeowners pay a median $1,068 a year, which is about 1.27% 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 Rocky Ford?
For the median home with 20% down at 7.11%, the payment is about $578 a month. Keeping that under 28% of gross income takes about $24,772 a year.
More about Rocky Ford
- Mortgage Refinance in Rocky Ford
- Debt Relief in Rocky Ford
- Home Equity Loans in Rocky Ford
- 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