Location: Towns County, GA | Metro: Towns County, GA
Based on 1% Rule: A+ (≥1.5%) | A (≥1.2%) | B (≥1.0%) | C (≥0.8%) | D (≥0.6%) | F (<0.6%)
| Unit Size | Monthly FMR |
|---|---|
| Studio | $880 |
| 1 Bedroom | $980 |
| 2 Bedrooms | $1,070 |
| 3 Bedrooms | $1,480 |
| 4 Bedrooms | $1,780 |
| 5 Bedrooms | $2,065 |
| 6 Bedrooms | $2,313 |
| 7 Bedrooms | $2,498 |
| 8 Bedrooms | $2,623 |
Zillow median home prices vs Section 8 FMR rates (Data: 2026-07-31)
| Bedrooms | Monthly FMR | Median Price | 1% Rule | Grade |
|---|---|---|---|---|
| 2BR | $1,070 | $322,206 | 0.33% | F |
| 3BR | $1,480 | $449,939 | 0.33% | F |
| 4BR | $1,780 | $652,391 | 0.27% | F |
U.S. Census Bureau data (2024)
The ZIP code 30546 encompasses a tranquil, rural area of Hiawassee, Georgia, characterized by its serene landscapes and close-knit community. With a total population of 8,096, it is predominantly owned by homeowners, with only 15.8% of residents renting their homes. The median household income stands at $59,234, reflecting a modest but stable economic environment. Median home values in the region are notably higher at $395,559, indicating a solid investment in property.
Turning to the economic dynamics of rental properties, the Fair Market Rent (FMR) for ZIP 30546, as set for the fiscal year 2026, is $1,020. This is slightly above the current market rent of $919, as reported by the Census Bureau's American Community Survey (ACS). The gap between the FMR and the market rent suggests a potential for rental income growth, especially for those willing to manage properties actively and enhance their value.
Given these factors, ZIP 30546 may not be the ideal location for a hands-off voucher operator due to the relatively low percentage of renters and the modest income levels. However, it presents an excellent opportunity for a hands-on value-add buyer who can improve properties and capitalize on the difference between the FMR and the current market rent. Investors looking to engage directly with their assets and add value through renovations or strategic management can find a rewarding niche in this area.
Data Sources: FMR data from HUD (2027). Median home prices from Zillow (2026-07-31). Demographics from U.S. Census (2024).
About FMR: Fair Market Rent (FMR) is used to determine payment standards for the Section 8 Housing Choice Voucher program, initial renewal rents for some expiring project-based Section 8 contracts, and rent ceilings for HOME Investment Partnerships.