Key takeaway
Houses for sale in Acworth under $300,000 exist, but they are the minority: owners value 23.2% of homes in ZIP 30101 and 40.8% in 30102 below $300,000 (Census Bureau, 2020-2024). Redfin's spring 2026 medians were $342,495 to $374,990 for townhouses and $356,450 to $425,000 for detached homes, so most starter options in Acworth sit between about $340,000 and $430,000.
At a glance
| Owner homes valued under $300k, ZIP 30101 (ACS 2020-2024) | 23.2% |
|---|---|
| Owner homes valued under $300k, ZIP 30102 (ACS 2020-2024) | 40.8% |
| Townhouse median sale, Acworth city (Redfin, May 2026) | $342,495 |
| Single-family median sale, Acworth city (Redfin, May 2026) | $356,450 |
| Lowest new home price (builder site, Oct 6, 2026) | $359,900 townhome |
Monthly principal and interest at Acworth starter prices
| Price | 3.5% down | Monthly at 3.5% | 5% down | Monthly at 5% |
|---|---|---|---|---|
| $300,000 | $10,500 | $1,981 | $15,000 | $1,950 |
| $350,000 | $12,250 | $2,311 | $17,500 | $2,275 |
| $400,000 | $14,000 | $2,641 | $20,000 | $2,600 |
| $450,000 | $15,750 | $2,971 | $22,500 | $2,925 |
Principal and interest only, 30-year fixed at 7.28% (Freddie Mac average, week of October 1, 2026). Property tax, insurance, mortgage insurance and any HOA dues come on top. For comparison, the typical Acworth home is $406,900 (Zillow, August 2026).
What each price band buys in Acworth
Each band below combines three sources: what owners say their homes are worth in the Census Bureau's 2020-2024 survey (which lags today's prices and includes homes not for sale), Redfin's closed-sale medians for spring 2026, and builders' prices on October 6, 2026. Listing-level detail by band, such as how many homes are on the market or how many bedrooms they have, could not be sourced because listing sites blocked access, so ask your agent for recent sales in your band.
| Owner-reported value | ZIP 30101 | ZIP 30102 |
|---|---|---|
| Under $200,000 | 7.2% | 17.3% |
| $200,000 to $299,999 | 16.0% | 23.5% |
| $300,000 to $399,999 | 24.2% | 28.0% |
| $400,000 to $499,999 | 20.9% | 16.7% |
| $500,000 or more | 31.7% | 14.5% |
Share of owner-occupied homes, U.S. Census Bureau ACS 2024 5-year estimates (17,202 homes in 30101, 11,927 in 30102). For a rough sense of size, Acworth's May 2026 single-family median of $197 per square foot works out to about 1,520 square feet at $300,000, 1,780 at $350,000, 2,030 at $400,000 and 2,280 at $450,000. That is arithmetic on a median, not a promise about any listing.
Under $200,000
Only 7.2% of owner homes in 30101 and 17.3% in 30102 are valued below $200,000. ZIP 30102 also has about 1,679 mobile homes, 10.2% of its housing, against 407 (1.8%) in 30101, so some of the lowest-priced homes are likely manufactured homes. If a listing is this low, confirm the property type and whether the land is included in the sale.
$200,000 to $300,000
This band holds 16.0% of owner homes in 30101 and 23.5% in 30102, but recent sales show how thin it is. Redfin's spring 2026 medians for houses and townhouses were all above $340,000; only condos came in lower, with a $310,000 median on just three sales in 30101. One resale example: three-bedroom, 2.5-bath townhomes at The Point at Centennial Lakes sold for $320,000 to $325,000 in 2025, and one was listed at $299,000. Expect older homes, townhomes and smaller floor plans here.
$300,000 to $350,000
This is where Acworth's townhouse market starts. The May 2026 townhouse median in Acworth city was $342,495 at $190 per square foot, and the city's all-home monthly median dipped to $334,900 in December 2025. At $197 per square foot, a detached home in this band would be around 1,520 to 1,780 square feet.
$350,000 to $400,000
This band reaches the middle of the market. Acworth city's May 2026 single-family median was $356,450, and spring 2026 medians were $369,000 for townhouses and $395,000 for single-family homes in 30102, and $374,990 for townhouses in 30101. New townhomes fall here too: Cherokee Township from $359,900 and Rosewood Farms from $388,990, as listed by the builders on October 6, 2026.
$400,000 to $450,000
At this level you reach ZIP 30101's spring 2026 single-family median of $425,000 and Zillow's typical Acworth value of $406,860 (August 2026). New single-family homes at Madison at Buice Lake started at $439,990 on October 6, 2026. Owners value 20.9% of homes in 30101 and 16.7% in 30102 between $400,000 and $500,000.
Starter home types in Acworth
Townhomes
Attached homes are only about 5% of Acworth's housing, but they are often the lowest-priced way to buy something other than a condo. Budget for HOA dues on top of the mortgage, and check whether the home is fee simple or a condo; the townhomes and condos guide explains why that matters for FHA.
Older detached homes
The median home in 30102 was built in 1993, against 2000 in 30101, and owners in 30102 value their homes lower ($333,000 median against $412,400). Older homes are where lower prices tend to be, so put more weight on the inspection: the age of the roof, HVAC system and water heater can matter as much as the price. See the Acworth home inspection guide.
Newer detached homes
Newer single-family homes cost more. The lowest new single-family price with an Acworth address on October 6, 2026 was $439,990, above every spring 2026 single-family median except 30101's. The new construction guide lists each community.
Ranch and single-level homes
No source we could open counts ranch listings in Acworth. Among new homes, most single-level options with Acworth addresses are in 55+ communities (Pulte's Reserve at Cedarcrest Village, Windsong's Madeira and Terraces at Paravel), while Madison at Buice Lake offers main-level primary plans from $439,990. For resale ranches, ask for a saved MLS search filtered to one-story homes in your price band.
Mobile and manufactured homes
Manufactured homes make up 10.2% of housing in 30102. Financing rules differ for them; Georgia Dream's Peach Advantage, for example, needs a 660 credit score for a manufactured home rather than 640. Confirm whether the land is included and ask your lender early.
Monthly cost at each band
The table above shows principal and interest only, at Freddie Mac's 7.28% average rate for the week of October 1, 2026. Your real payment adds property tax, homeowners insurance, mortgage insurance and any HOA dues. Below the table's range, here is the math at $250,000 with an FHA loan.
A 3.5% down payment is $8,750, leaving a base loan of $241,250. FHA's 1.75% upfront premium ($4,222) is usually financed, for a loan of $245,472. Principal and interest at 7.28% come to about $1,680 a month, and FHA's annual mortgage insurance of 0.55% adds about $111 a month in the first year. Taxes depend on the county: for Cobb homes, the Cobb County property tax guide shows a worked bill. Run your own numbers in the affordability calculator.
Programs that fit each price band
Every band on this page is below the 2026 Georgia Dream price limit of $625,000 and the 2026 FHA loan limit of $718,750 in Cobb, Cherokee, Paulding and Bartow, so the price is rarely what rules a program out. Income, credit and location usually are. The Georgia first-time buyer programs guide compares them all.
Under $300,000: FHA, Georgia Dream and a USDA check
FHA allows 3.5% down with a 580 credit score. Georgia Dream's standard assistance is 5% of the price or $10,000, whichever is less, so it reaches the full $10,000 at $200,000 and above; its minimum credit score is 640 and its 30-year rate was 6.375% effective October 1, 2026. USDA loans need no down payment, but USDA's map shows downtown Acworth and nearby suburbs as not eligible, so check any address farther out in Bartow or Cherokee on the USDA loan page.
$300,000 to $400,000: Georgia Dream PEN or Choice and 3% down conventional
Georgia Dream's PEN and Choice options give 6% of the price or $12,500, whichever is less, which is $12,500 anywhere in this band. Fannie Mae's HomeReady and Freddie Mac's Home Possible allow 3% down for buyers with income at or below 80% of the area median. For Cobb homes, the county's My Home program adds a non-repayable grant of 0%, 1% or 2% of the first mortgage; see Cobb County homebuyer assistance.
$400,000 to $450,000: watch the income limits
At these prices, household income is more likely to be the limit. In 2026, Georgia Dream's standard program allows household income up to $137,555 for 1-2 people or $158,188 for 3 or more in Cobb, Cherokee and Paulding. Peach Plus goes higher, to $206,333 and $237,282, with a $725,000 price limit. Eligible veterans can use a VA loan with no down payment when they have full entitlement. Details are on the Georgia Dream page.
Common questions
Can you buy a house in Acworth for under $300,000?+
Some homes sell below $300,000, but they are the minority. Owners value 23.2% of homes in ZIP 30101 and 40.8% in 30102 under $300,000 (Census, 2020-2024), and townhomes at The Point at Centennial Lakes sold for $320,000 to $325,000 in 2025 with one listed at $299,000. Redfin's spring 2026 medians for houses and townhouses were all above $340,000.
Are there houses for sale in Acworth under $200,000?+
Very few. Only 7.2% of owner-occupied homes in ZIP 30101 and 17.3% in 30102 are valued under $200,000, according to the Census Bureau's 2020-2024 survey. ZIP 30102 has about 1,679 mobile homes, so many of the lowest-priced properties are likely manufactured homes. Confirm the property type and whether the land is included before you make an offer.
What is the average home price in Acworth, GA?+
Zillow's typical Acworth home value was $406,860 in August 2026. Redfin's median sale price for Acworth city was $356,450 in May 2026, its newest public month, and its March to May 2026 medians were $410,000 in ZIP 30101 and $390,000 in 30102. The measures differ because Zillow estimates all homes while Redfin counts homes that sold.
Where can I find ranch homes for sale in Acworth?+
No public source counts resale ranch listings in Acworth, so ask for an MLS search filtered to one-story homes in your price range. Among new homes, most single-level options are in 55+ communities such as Pulte's Reserve at Cedarcrest Village, while Madison at Buice Lake offers main-level primary plans from $439,990 as of October 6, 2026.
What are the best neighborhoods in Acworth for starter homes?+
That depends on your price and home type rather than any ranking. Lower-priced homes are more common in ZIP 30102, where owners put the median value at $333,000, and in townhome communities such as The Point at Centennial Lakes and Cherokee Township. Compare each area's county, taxes and HOA dues in the Acworth neighborhoods guide.
How much do I need to earn to buy a $300,000 house in Acworth?+
With FHA and 3.5% down, the loan is about $294,566 including the upfront premium. At 7.28%, principal and interest are about $2,015 a month plus about $133 of mortgage insurance. At FHA's 31% housing ratio, that alone implies roughly $83,000 a year before property tax and insurance, so the real figure is higher. A lender will calculate it for you.
Sources
- U.S. Census Bureau: ACS 2024 5-year estimates, B25075 Value (ZCTA 30101, 30102)
- U.S. Census Bureau: ACS 2024 5-year estimates, B25077 Median Value
- U.S. Census Bureau: ACS 2024 5-year estimates, B25024 Units in Structure
- U.S. Census Bureau: ACS 2024 5-year estimates, B25035 Median Year Built
- Redfin Data Center: city market tracker (Acworth, GA, monthly; file updated June 2, 2026)
- Redfin Data Center: ZIP code market tracker (rolling 3 months, Mar-May 2026)
- Zillow Research: Zillow Home Value Index (ZHVI), August 2026
- Atlanta Townhomes (brokerage site): The Point at Centennial Lakes
- Traton Homes: Cherokee Township
- D.R. Horton: Rosewood Farms
- Stanley Martin: Madison at Buice Lake
- Pulte: The Reserve at Cedarcrest Village
- Windsong: Madeira
- Tyler Chandler Homes: Terraces at Paravel
- Freddie Mac: Primary Mortgage Market Survey (week of October 1, 2026)
- HUD: Handbook 4000.1, FHA Single Family Housing Policy Handbook (Update 18, Aug 12, 2026)
- HUD: FHA Mortgage Limits lookup (CY2026)
- Georgia DCA: Georgia Dream product page
- Georgia DCA: Georgia Dream Homeownership Program brochure (v. 2026-7-8)
- Georgia DCA: Georgia Dream current interest rates (effective October 1, 2026)
- Fannie Mae: HomeReady Mortgage
- Freddie Mac: Home Possible
- Cobb County: Down Payment Assistance Mortgage Program (Housing Authority of Cobb County)
- VA.gov: VA home loan limits
- USDA Rural Development: eligibility map data layer (Eligibility_Blocks_v3)
Lawrence Jackson
I am a Realtor® with Atlanta Communities and part of Team Jackson Sells Atlanta. I specialize in Acworth, Kennesaw, Marietta and Woodstock and serve all of Cobb County and metro Atlanta. You work directly with me at every step, from your first question to the closing table.
Realtor®, Atlanta Communities. General information, not legal, tax or lending advice.
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