Georgia · Census, HUD and BEA figures · Updated

Cost of Living in Elbert County, GA

Prices around Elbert County, GA run 3.7% below the U.S. average (BEA, Georgia). The typical household there earns $58,450 a year, and HUD puts a two-bedroom at $1,074 a month. Keeping that rent under 30% of income takes about $42,960 a year.

Elbert County, GA at a glance

Median household income

$58,450$4,871 per month · U.S. Census Bureau ACS 5-Year
2-bedroom rent$1,074HUD FY2026 Fair Market Rent
Price level (U.S. = 100)96.3-3.7% · BEA, Georgia
Electricity16.4¢per kWh · EIA Residential GA
Population19,849Census ACS 5-year estimate

How much rent can you afford in Elbert County, GA?

HUD’s fair market rent for each size, against what a typical household here earns. Change the income to see yours.

Affordable (< 30% of income)
HUD Fair Market Rent$1,074Monthly market rent
Share of gross income22%Recommended max: 30%
Annual income needed$42,960To meet the 30% standard
Max affordable rent$1,461At 30% of $58,450
0%30% (Affordability standard)100%
Compare against:

How much is rent in Elbert County, GA? By bedroom, 2026

HUD's fiscal 2026 Fair Market Rents for Elbert County, GA, with the income each one takes if rent stays under 30% of it.

HUD Fair Market Rent in Elbert County, GA, fiscal 2026
Unit SizeMonthly RentAnnual Rent30% Rule Min. Income% of Median Income
Studio / Efficiency$831$9,972$33,24017.1%
1-Bedroom Apartment$836$10,032$33,44017.2%
2-Bedroom ApartmentBenchmark$1,074$12,888$42,96022%
3-Bedroom Home$1,288$15,456$51,52026.4%
4-Bedroom Home$1,422$17,064$56,88029.2%

Rent in Elbert County, GA, with the wage each unit needs →

What a typical income covers in Elbert County, GA

The 50/30/20 rule applied to the local median of $58,450 a year ($4,871 a month before tax).

Needs (50%)$2,435/moRent ($1,074 2-BR), utilities (~$147/mo), groceries, transit
Wants (30%)$1,461/moEating out, travel, subscriptions and the rest
Savings and debt (20%)$974/moEmergency fund, retirement, paying down loans

What $58,450 leaves after Georgia taxes

Federal income tax, Social Security, Medicare and Georgia tax on the local median income. Change the salary to see yours.

$58,450
$20,000$120,000
Filing status:
Gross salary breakdown$58,450
Net 80%
Fed 8%
GA 4%
FICA 8%
Annual take-home$46,976After all taxes
Monthly deposit$3,915Estimated per month
Biweekly paycheck$1,807Every 2 weeks (26/yr)
Effective tax rate19.6%Total tax burden
Federal income tax$4,834 / yr
Georgia state income tax$2,168 / yr
FICA (Social Security & Medicare)$4,471 / yr

Living in Elbert County, GA: common questions

What is the median household income in Elbert County, GA?

According to the latest U.S. Census Bureau ACS 5-Year survey, the median household income in Elbert County, GA is $58,450 per year (approximately $4,871 per month).

What is the average rent in Elbert County, GA?

The closest official figure is HUD's Fair Market Rent for 2026: $831 for a studio, $836 for one bedroom, $1,074 for two, $1,288 for three and $1,422 for four, utilities included.

It is not an average of listings. HUD sets it at the rent 40% of recent movers paid or less for a standard unit, so a new lease on a nicer place will usually cost more.

Is Elbert County, GA expensive to live in?

Prices there run 3.7% below the U.S. average. BEA's regional price parity for Georgia is 96.3, where the U.S. is 100. Rent moves the number most: housing is where places differ, while goods cost about the same everywhere.

How much do you need to earn to comfortably afford rent in Elbert County, GA?

To keep a $1,074 two-bedroom under 30% of gross income, a household needs about $42,960 a year, or $3,580 a month. That is 73% of what the typical household in Elbert County, GA earns.

How much do you need to live comfortably in Elbert County, GA?

On the local median income of $58,450 ($4,871 a month before tax), the 50/30/20 rule leaves $2,435 a month for needs like rent, utilities and groceries, $1,461 for everything else and $974 for savings or debt. A two-bedroom at $1,074 takes 44% of the needs share.

How much is the electric bill in Elbert County, GA?

Homes in Georgia paid 16.4¢ per kWh on average (EIA). At 900 kWh a month, a typical use, that is about $147. Your bill depends mostly on heating and cooling.