Sep 2026
$224K
+18.6% year-over-year
How it’s calculated
Rolling 3-month median sale price vs. same 3 months one year prior.
Albany, GA housing market
Albany, GA metro median sale price $224K in Sep 2026, up 18.6% year over year. Also days on market, price cuts, affordability and ZIP-code figures.
The median sale price in the Albany, GA metro is $224K as of Sep 2026, up 18.6% from a year earlier. That is the 3rd-largest year-over-year gain of the 383 U.S. metros Pecan Street ranks on this measure. FHFA's repeat-sales index for the metro shows a smaller change, up 0.6% through Q2 2026, 18.1 points apart; Price reconciliation below shows both.
Albany has the lowest median sale price of the 14 Georgia metros Pecan Street tracks ($224K); Macon ($236K) is next. On median days on market, Albany (64 days) ranks 8th of the 14 Georgia metros, between Dalton (65 days) and Valdosta (64 days). On share of listings with a price cut, Albany (27%) ranks 11th of the 14 Georgia metros, between Columbus (28%) and Athens (27%).
Listings spent a median 64 days on market in Sep 2026, more than in most of the 385 metros. 27% of active listings carry a price cut, 1.8 points fewer than a year earlier. That share is lower than in most of the 385 metros. Median asking prices sit about 12% below the median sale price.
At the 7.29% 30-year fixed rate with 20% down, principal and interest on a median-priced home come to $1,229 a month; at 28% of gross income, that takes about $53K a year. The median sale price equals about 13 years of HUD Fair Market Rent, a ratio up 22.8% from a year earlier. That ratio is lower than in most of the 373 metros. Active listings ask a median $118 per square foot, up 5.9% from a year earlier.
In four of the six ZIP codes in the table below, median list prices are higher than a year earlier; two are lower.
Headline
Oct 15, 2026
7.29%
30-year fixed
Where it comes from
National benchmark: Optimal Blue OBMMI 30-year conforming, via FRED. An average of rates borrowers have actually locked, updated daily.
The same rate appears on every market page.
Principal & interest
$1,229/mo
$53K/yr income needed
How it’s calculated
Payment — this market’s median sale price with 20% down, on a 30-year fixed loan at the rate shown. Principal and interest only — no property tax, insurance, PMI or HOA.
Income needed — that payment at 28% of gross income. A rule of thumb, not a lending decision.
How Albany compares to other U.S. metros
| Home-price growth | ↑3rd of 383 (top 1%) |
|---|---|
| Asking-vs-sale gap | ↓289th of 292 |
| Price cuts | ↓341st of 385 |
| Price-to-rent | ↓330th of 373 |
| Days on market | ↑125th of 385 (top 33%) |
Rank across the U.S. metros Pecan Street tracks, on market data alone — a higher rank means more of that measure (more price cuts, faster price growth, a wider asking-vs-sale gap, a higher price-to-rent ratio, or more days on market). The bar shows where this metro sits within that metric’s own cohort (left is more, right is less); ↑ and ↓ mark the positions furthest from the middle, and rows are ordered the same way. Metrics without data for this metro are omitted.
Affordability
| Price-to-rent ratio | ≈ 13 +22.8% YoY ↓330th of 373 |
|---|---|
| Asking price / sq ft | $118 +5.9% YoY |
Price-to-rent divides the median sale price by the annual HUD Fair Market Rent (a 3-bedroom, 40th-percentile benchmark), so it is a directional rent-vs-buy read, not a cap rate; its year-over-year change is directional in the same way. Asking price per square foot is the median across active for-sale listings (Realtor.com), as of Sep 2026. The bar under a figure places this metro among the U.S. metros we track on that measure, highest first.
Market pressure
| Listings with a price cut | ≈ 27% -1.8 pts YoY ↓341st of 385 |
|---|
The median asking price $197K runs about 12% below the median sale price $224K.
Price-cut share is the portion of active for-sale listings that have taken a price reduction (Realtor.com), as of Sep 2026. Asking is the median list price of active listings (Realtor.com, this month); sale is the headline median of recent closings (Redfin, a rolling 3-month median) — distinct sources and windows, so the gap is a directional read, not a like-for-like difference. The bar under a figure places this metro among the U.S. metros we track on that measure, highest first.
Market facts
| ZIPs with listing data | 6 shown of 17 |
|---|---|
| MLS board of record | — |
| Price methodology | Redfin vs FHFA HPI |
| Data as of | Sep 2026 |
Recent signals
No signals flagged for this market right now.
Recent notable readings
- Zillow home values were lower than a year earlier in none ZIP codes across the Albany metro (Sep 2026): the 21st-lowest share among the 274 U.S. metros Pecan Street tracks with enough ZIP-level data to compare.
Readings from the latest data that sit at one end of the U.S. metros Pecan Street tracks, from the nightly cross-metro comparison. They are not signal alerts.
Price reconciliation
red · 18.1ppRedfin (metro) +18.6% | FHFA HPI · Q2 2026 +0.6% |
Year-over-year home-price change from two independent methods — Redfin (monthly sold price) and FHFA (quarterly repeat-sales index). When they diverge, the market is mid-shift; cite the figure with that in mind.
More markets in GA
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Try it freeZIP-level data
| ZIP | Median list price | Active listings | New listings | Price reductions | Days on market | Home value |
|---|---|---|---|---|---|---|
| 31701 | $92K↑ | 95↑ | 20↑ | 20↑ | 61↓ | $82K↓ |
| 31705 | $90K↓ | 73↑ | 14↑ | 6↓ | 56↑ | $90K↑ |
| 31707 | $159K↓ | 147↑ | 32↑ | 34↑ | 55↓ | $140K↑ |
| 31721 | $294K↑ | 69↑ | 24↓ | 34↑ | 72↑ | $242K↑ |
| 31763 | $344K↑ | 123↑ | 44↑ | 40↑ | 66↑ | $262K↑ |
| 31791 | $243K↑ | 28↑ | 0 | 6↑ | 70↓ | $171K↑ |
ZIP figures from Realtor.com listing data; home value from Zillow ZHVI. ZIP codes shown have the most complete listing-data history and active for-sale inventory in this metro; the latest available month is shown per ZIP. Arrows show the direction of each figure against the same three months a year earlier; no arrow means the change rounds to zero or the comparison isn't available.