Jefferson, Georgia.
Typical home $411,731 (-1.7% in a year), asking rent $1,906 (+2.4%). Jefferson, GA metro.
to buy the typical home at today's mortgage rate — +$1,230 (+132%) since Jan 2020.
- 1 year
- Down $7,137 -2%
- $418,868$411,731 since Sep 2025
- 5 years
- Up $79,180 +24%
- $332,551$411,731 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Jefferson$2,161
- Georgia$1,727
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 16 years.
Typical home values in Jefferson, GA fell 1.7% over the past year — slower than the nation's +1.2%.
Asking rents in Jefferson, GA rose 2.4% over the past year — slower than the nation's +2.7%.
Owning the typical home in Jefferson runs $994/mo more than renting one. The gap peaked at $1,237 in Jan 2025.
That is $2,900 a month against $1,906 rent: a $2,161 mortgage payment, plus $298 property tax and $441 insurance & upkeep.
Owning vs renting — Jefferson
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$2,900
- Renting$1,906
- Mortgage only$2,161
Property tax · $298/mo 0.87% of value a year — the ACS 2020-2024 median bill over the median home value for Jackson County, GA
Insurance & upkeep · $441/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Living in Jefferson, Jackson County, Georgia
Jefferson is a city of 13,233 people in Jackson County. Half its households earn more than $109,828 a year and half less, against $89,544 across Jackson County; 6% of its people live below the poverty line. 80% of its homes are lived in by their owners and 20% are rented. Unemployment in Jackson County was 3.1% in August 2026, and the county had 4.8% fewer jobs in 2025 than the year before. The most residents work in schools and health care, then professional services.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Jefferson is a city in Jackson County, Georgia, with a younger population than many towns its age would suggest and households that earn more than the county's. Most homes are lived in by their owners, and fewer people live below the poverty line than in many places. A good share of adults hold a four-year degree, and a good many people work from home.
Work. Residents work mostly in schools, hospitals and social care, in professional and business services, in shops and in the building trades. Among the largest workplaces in Jefferson are Amazon, Jackson County Schools and Jackson Electric Membership Corporate. The commute is a long one, which suggests many people work well outside town, and jobs across Jackson County fell over the past year.
Things to do. In or beside town, you can follow Walnut Creek or visit the Crawford W. Long Museum. A short drive away are the Mulberry River and Gresham Motorsports Park, a race track. A longer drive brings you to Lake Lanier, a large reservoir. Winters are cool and summers are hot, with very little snow and plenty of rain across the year.
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- 4,612households
- 35%of adults have a degree
- 6%below the poverty line
- 34 mintypical commute
- 14%work from home
What residents work in
Employed residents by industry, from the Census survey. Jackson County had 43,619 jobs in 2025, 4.8% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 53° and lows near 31°; warmest in July, with highs near 89° and lows near 69°. About 1 inches of snow and 52 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Commerce Nnw weather station, 11 miles away (NOAA).
Largest workplaces in Jefferson
- AmazonCouriers and express delivery services1,643
- Jackson County SchoolsSchool district1,490FTE
- H.G. Georgia MerchantsGeneral warehousing and storage1,152
- AmazonGeneral warehousing and storage729
- JEF - Aldi INC Georgia507
- Jackson Electric Membership CorporateDistribution of electric power494
- Jefferson City SchoolsSchool district476FTE
- GrumaTortillas manufacturing415
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 36 workplaces with 20 or more staff, 8,263 people in all. School districts come from the Common Core of Data (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Ice stormsRelatively moderate
- Lightningrelatively high in parts of JeffersonRelatively moderate
- Strong windRelatively moderate
- TornadoesRelatively moderate
- Cold wavesRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Jefferson’s census tracts, against the rest of the country; all of them together, very low. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Jackson County and the Jefferson, GA metro.
Jefferson home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Jefferson$411,731
- Georgia$329,115
- United States$366,157
Levy by levy, and a check of one home’s own bill, the site covers Ohio’s property tax.
Sellers are cutting prices on about 1 in 3 Jefferson listings, and the typical home goes pending in 58 days — the market is cooling.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Jefferson33.99%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Jefferson58
- United States24
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Jefferson196
New listings per month
Sellers arriving at the market.
- Jefferson36
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Jefferson$402,784
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Jefferson99.51%
Zip codes with a Jefferson address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Jefferson — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.