Metropolitan Area

Gainesville, GA

Georgia0
46
/100
Hold
#783 of 894 metros
Top 87% nationally for investing

Market Snapshot

$393,150
Median Home Price
54% above national median
$1,716/mo
Median Rent
24% above national median
5.24%
Rent-to-Price Ratio
Top 68% nationally
-$946
Est. Monthly Cash Flow
With 20% down at 6.9% rate

Home values and rents: available snapshot

Only one observation is stored for Gainesville, GA. A historical trend cannot be calculated from this snapshot.

Typical home value (ZHVI)
$393,150
Source period: 2026-05-31
Monthly rent index (ZORI)
$1,716
Source period: 2026-05-31

Stored snapshot: 2026-06-29. Source dates describe the underlying observations, not today’s market.

Quick Investment Calculator

20%
5%50%100%

Purchase

Purchase Price$393,150
Down Payment (20%)$78,630
Loan Amount$314,520
Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$1,716
Monthly P&I-$2,061
Est. Expenses (35%)-$601
Net Cash Flow-$946/mo
3.4%
Cap Rate (all cash)
-12.6%
Cash-on-Cash Return
5.24%
Rent-to-Price Ratio
Negative leverage: At 6.85% rates, borrowing costs exceed the 3.4% cap rate. All-cash buyers may see better returns.

* Based on metro-wide median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Individual counties and properties vary significantly.

Score Breakdown

Overall Investment Score
46/100
46
Cash Flow(30%)
49/100

Based on 5.24% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)
40/100

Based on -2.0% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)
50/100

Based on 0.0% population growth. Growing areas indicate economic stability.

Affordability(20%)
46/100

Based on price relative to estimated local incomes.

Scores are calculated using real Zillow metro-level home value and rent data, Census population data, and economic indicators. The weighted average produces the overall investment score. This metro score represents area-wide averages; individual counties may vary significantly.

Investment Outlook

Strengths

  • +Low unemployment (0.0%)

Challenges

  • -Below-average rent-to-price ratio (5.24%)
  • -Declining home values (-2.0% YoY)
  • -Negative cash flow at typical financing (-$946/mo)
  • -Negative leverage (cap rate 3.4% < mortgage rate 6.9%)

Counties in Gainesville, GA

County data is being compiled for this metro area.

Section 8 in Gainesville, GA: payment standards by ZIP, PHA waitlist status, and voucher counts are on VoucherMatch, the same HUD dataset with the tenant demand side attached.

Compare to Similar Metros

Metro AreaVerdict
Palestine, TX
Palestine, TX
66$218,792$1,3777.55%BuyView
Mount Pleasant, MI
Mount Pleasant, MI
66$230,989$1,0235.31%BuyView
Rio Grande City, TX
Rio Grande City, TX
66$145,773Est.BuyView
Palatka, FL
Palatka, FL
66$220,763$1,3157.15%BuyView
Evanston, WY
Evanston, WY
66$333,754Est.BuyView
Current
Gainesville, GA
46$393,150$1,7165.24%Hold

The Bottom Line

HoldGainesville, GA is a neutral market. Consider house hacking or targeting below-market deals in specific counties.

The Gainesville, GA metro area scores 46/100, ranking #783 of 894 US metros (top 87%). The 5.24% rent-to-price ratio may require targeting specific counties or creative strategies for positive cash flow. Current metro-wide averages make traditional buy-and-hold investing challenging. Consider house hacking, value-add strategies, or drilling down to specific counties.

Monthly Cash Flow
$-946/mo
Cap Rate
3.4%
Cash-on-Cash
-14.4%

Ready to Invest in Gainesville, GA?

Use our investment calculators to run detailed numbers on specific properties, or explore individual counties for more targeted opportunities.