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Market MapGeorgiaToombs

Toombs County

GeorgiaPopulation: 26,946
78
/100
Strong Buy
#0 of 0 counties
#3 in Georgia (159 counties)
Analysis by RentalCalcs Research·Independent data + algorithm-driven scoring
Updated July 8, 2026Sources: Zillow ZHVI, Zillow ZORI, US Census ACS, Tax Foundation

Market Snapshot

$173,335
Median Home Price
0% below national median
$1,250/mo
Median Rent
0% below national median
8.65%
Rent-to-Price Ratio
Top 50% nationally
-$97
Est. Monthly Cash Flow
With 20% down at 6.9% rate

Scenario comparison

Same $1,250/mo rent assumption, 20% down, 6.85% rate. What changes is the acquisition price.
ScenarioPurchase priceMonthly cash flowCap rateCash-on-cash
75% of median
value-add or distressed
$130,001+$131/mo7.5%+5.3%
Median
typical MLS deal
$173,335-$97/mo5.6%-2.9%
125% of median
newer / premium
$216,669-$324/mo4.5%-7.8%

Price History

Median Home Price

Median Rent

Historical data from Zillow ZHVI/ZORI

Quick Investment Calculator

20%
5%50%100%

Purchase

Purchase Price$173,335
Down Payment (20%)$34,667
Loan Amount$138,668
Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$1,250
Monthly P&I-$909
Est. Expenses (35%)-$438
Net Cash Flow-$97/mo
5.6%
Cap Rate (all cash)
-2.9%
Cash-on-Cash Return
8.65%
Rent-to-Price Ratio
Negative leverage: At 6.85% rates, borrowing costs exceed the 5.6% cap rate. All-cash buyers may see better returns.

* Based on county median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Actual results vary by property.

Run Full AnalysisTry House Hack Strategy

Score Breakdown

Overall Investment Score
78/100
78
Cash Flow(30%)
87/100

Based on 8.65% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)
86/100

Based on 4.9% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)
50/100

Population data not available.

Affordability(20%)
93/100

Based on price relative to estimated local incomes.

Scores are calculated using real Zillow home value and rent data, Census population data, and economic indicators. The weighted average produces the overall investment score. Markets with missing rent data use estimated values based on regional averages.

Investment Outlook

Strengths

  • +Affordable relative to local incomes
  • +Complete rent data available

Challenges

  • -Negative leverage (cap rate 5.6% < mortgage rate 6.9%)

Economic Indicators

Population
26,946
Median Income
—
Data pending
Unemployment Rate
—
Data pending
Price-to-Income
—
Data pending

Who this market fits

Best for
  • +Value-add operators who can buy below median and force rent up
Skip if
  • −You can't tolerate negative leverage (cap rate below mortgage rate today)

Compare to Nearby Counties

CountyVerdict
SumterGA
80$136,878Est. pending—Strong BuyView
CurrentToombsGA
78$173,335$1,2508.65%Strong Buy
DecaturGA
77$171,230Est. pending—Strong BuyView
LanierGA
73$210,779$1,7239.81%BuyView
TattnallGA
71$188,123Est. pending—BuyView
CookGA
68$157,160Est. pending—BuyView

The Bottom Line

Strong BuyToombs is a strong buy market with excellent fundamentals for buy-and-hold investors.

Toombs County in Georgia scores 78/100, ranking #0 of 0 US counties (top 50%). At 20% down and current rates, a median-priced rental roughly breaks even on cash flow (8.65% gross rent-to-price ratio). The deal works on appreciation or with better terms, not on month-one cash flow.

Monthly Cash Flow
$-97/mo
Cap Rate
5.6%
Cash-on-Cash
-2.9%

Related markets

Markets like Toombs with stronger cash flow

  • Lanier County for cash-flow rentals

Cheaper alternatives to Toombs

  • Sumter County, lower entry price
  • Cook County, lower entry price
  • Decatur County, lower entry price

Head-to-head comparisons

  • Toombs vs Decatur for rentals
  • Toombs vs Sumter for rentals
  • Toombs vs Lanier for rentals
All counties in Georgia →

Rent vs buy in Georgia cities

Rent vs buy in Atlanta, GAMedian $415,043 · rent $1,888/moRent vs buy in Columbus, GAMedian $180,608 · rent $1,292/moRent vs buy in Augusta, GAMedian $181,692 · rent $1,360/moRent vs buy in Savannah, GAMedian $339,736 · rent $1,765/moRent vs buy in Sandy Springs, GAMedian $415,043 · rent $1,888/moAll Georgia citiesFull rent-vs-buy directory for the state

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