Stephens County, Georgia Housing Market Prices
Stephens County Home Prices and Rent at a Glance
The median home price (often called the average home price), rent costs, affordability metrics, and housing stock characteristics for this housing market.
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Median home price 24% below the Georgia median$196,562
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Median rent 41% below the Georgia median$819
Median Home Price Map: Nearby Counties
Housing Market Overview
| Metric | Stephens County | Georgia Avg | US Average |
|---|---|---|---|
| Median Home Price | $196,562 | $256,986 | $248,835 |
| Price Trend (Annual %) | 35.4% | 8.9% | 7.5% |
| Median Gross Rent | $819 | $1,392 | $1,407 |
| Rent Trend (Annual %) | 4.4% | 5.7% | 5.1% |
| Household Income Trend (Annual %) | — | — | — |
The median home price in Stephens County is about 24% lower than in Georgia. Rent is about 41% lower than the Georgia average.
Median Home and Rent Price Trends
Median Home Prices, 2015-2024
Median Rent Prices, 2015-2024
Both home prices and rent are rising in Stephens County, up about 35.4% and 4.4% a year respectively. Home prices are changing faster.
Median rent in Stephens County rose about 44.6% between 2015 and 2024, from $567 to $819. Over the same span, rent in Georgia rose about 58.5%.
Affordability
On average, housing unit costs 3.6 yearly household incomes in Stephens County.
Buying the median-priced home in Stephens County costs roughly 20.0 years of rent at the median monthly rate. That is a moderate price-to-rent ratio, where buying and renting are often similarly cost-effective in Stephens County. The price-to-rent ratio in Georgia is about 15.4.
| Metric | Stephens County | Georgia Avg | US Average |
|---|---|---|---|
| Median Home Price | $196,562 | $256,986 | $248,835 |
| Median Household Income | $54,840 | $77,523 | $80,455 |
| Price-to-Income Ratio | 3.6 | 3.3 | 3.1 |
Home Prices vs Income Over Time
Between 2015 and 2024, the median home price in Stephens County rose about 260.3%, while median household income rose about 50.9% between 2009 and 2025 — the home price grew faster than income.
Income Growth vs Housing Cost Growth (Year-over-Year %)
Compare income and housing cost trends.
Occupancy & Tenure
| Metric | Stephens County | Georgia Avg | US Average |
|---|---|---|---|
| Homeownership Rate | 62.7% | 58.9% | 58.5% |
| Rental Rate | 22.5% | 30.8% | 31.2% |
| Vacancy Rate | 14.8% | 10.3% | 10.2% |
| Median Tenure (years) | 17.0 | 14.0 | 15.0 |
| Median Year Moved In | 2009 | 2012 | 2011 |
Stephens County has a homeownership rate of 62.7%, higher than the Georgia average of 58.9%. Its housing vacancy rate is 14.8%, compared with 10.3% in Georgia.
Housing Stock
| Metric | Stephens County | Georgia Avg | US Average |
|---|---|---|---|
| Average Household Size | 2.48 people | 2.62 people | 2.53 people |
| Median Structure Built Year | 1983 | 1990 | 1978 |
| Median Number of Rooms | 5.8 | 5.9 | 5.5 |
The typical housing unit in Stephens County was built around 1983. On average, 2.5 people live in a home with about 5.8 rooms, staying for about 17.0 years on average.
Stephens County, GA Housing Compared With Nearby Counties
Stephens County, GA is the 3rd largest of the 5 counties compared here, 27,012 residents against a local median of 33,531. Where Stephens County, GA breaks from the counties next to it is median home price, sitting 18% below the local median of $239,678 at $196,562.
The counties themselves spread $313,863 on median home price, so Stephens County, GA sits at one end of an already wide local range rather than apart from it. Stephens County, GA has the 3rd highest median home price of the 5 areas compared here.
| Area | Population | Median home price | Median rent | Homeownership |
|---|---|---|---|---|
| Stephens County, GA | 27,012 | $196,562 #3/5 | $819 #5/5 | 73.6% #4/5 |
| Habersham County, GA | 47,793 | $359,259 | $974 | 72.8% |
| Banks County, GA | 19,270 | $85,000 | $827 | 78.7% |
| Oconee County, SC | 80,589 | $120,098 | $880 | 76.2% |
| Rabun County, GA | 17,312 | $398,863 | $1,046 | 77.1% |
Frequently Asked Questions
Common questions about the housing market in Stephens County, Georgia.
What is the median home price in Stephens County, Georgia?
The median home price in Stephens County, Georgia is $196,562, lower than the Georgia average of $256,986.
What is the average home price in Stephens County, Georgia?
The typical home price in Stephens County, Georgia, reported as the median sale price, is $196,562. The median is used instead of a mathematical average because it is not skewed by a small number of very expensive or very cheap homes, so it better reflects what a typical buyer pays.
What is the median rent in Stephens County, Georgia?
The median gross rent in Stephens County, Georgia is $819 per month, lower than the Georgia average of $1,392.
What was the median gross rent in Stephens County in 2020?
In 2020, the median gross rent in Stephens County, Georgia was $757 per month.
What is the price-to-rent ratio in Stephens County, Georgia?
The price-to-rent ratio in Stephens County, Georgia is about 20.0, meaning it would take roughly 20.0 years of rent payments at the median rent to equal the median home price. That is a moderate price-to-rent ratio, where buying and renting are often similarly cost-effective in Stephens County.
Are home prices or rent rising faster in Stephens County, Georgia?
Both home prices and rent are rising in Stephens County, up about 35.4% and 4.4% a year respectively. Home prices are changing faster.
What is the homeownership rate in Stephens County, Georgia?
62.7% of households in Stephens County, Georgia own their home, higher than the Georgia average of 58.9%.
What is the vacancy rate in Stephens County, Georgia?
The housing vacancy rate in Stephens County, Georgia is 14.8%, higher than the Georgia average of 10.3%.
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