Stewart County, GA — Rental Investment Analysis
🟢STRONG— excellent cash flow marketData: HUD FMR FY2024 + Zillow ZHVI April 2026 + Freddie Mac rates. Last updated June 2026.
Investment Summary
As of 2026, Stewart County, GA has a median cap rate of 10.5%, making it one of the top cash-flowing rental markets in the United States.
Stewart County is one of the strongest cash flow markets in the data. With a median home price of $88,085, entry costs are low — making it accessible for beginning investors or those buying multiple properties. With 3-bedroom rents around $1,090/month, the 10.5% cap rate tells the story. Expect around +$300/month cash flow after mortgage, taxes, insurance, and reserves.
The market passes the 1% rule (1.24%), which is increasingly rare and signals strong rent-to-price fundamentals. DSCR of 1.64 means the property's income comfortably covers debt service — DSCR loans should be easy to qualify for here.
Bottom line: Buy here if you want reliable monthly income. Stewart County is a cash flow market — don't expect rapid appreciation, but the checks come in every month.
Data sources: HUD Fair Market Rents (FY2024), Zillow Home Value Index (April 2026), Freddie Mac Primary Mortgage Market Survey.
Cap Rate
10.5%
Above average
Monthly Cash Flow
+$300
After all expenses
Price-to-Rent
6.7
Investor-friendly
DSCR
1.64
Passes lender test
Key Metrics
- Median Home Price
- $88,085
- Average Rent (3BR)
- $1,090/mo
- Price-to-Rent Ratio
- 6.7(good)
- 1% Rule
- 1.24%(passes)
- Cash-on-Cash Return
- 17.9%
- Vacancy Rate
- 8.0%
Market Strength
- Unemployment Rate
- 3.5%(-0.8% vs national)
- Rent Growth (YoY)
- +2.9%(national avg)
- Population Growth
- +1.6% YoY
Property Tax Rate
0.83%
of assessed value (GA avg)
Median Income
$61,980
household (GA avg)
Rent-to-Income
21.1%
Affordable
Section 8 Max Rent
$1,090/mo
3BR voucher payment
GA Investor Climate
Landlord Friendly
8/10
State Income Tax
Has state tax
Property Tax
0.83% effective
Population Trend
+1.6% (3yr)