Cost Of Living in Hephzibah, GA

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8%

Overall NAT. AVG.

3%

Groceries NAT. AVG.

28%

Housing NAT. AVG.

Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.

The cost of living index is based on a national average of 100. For example, if the cost of living score is 90, then the estimated cost of living is 10% lower than the national average. If the score is 110, then the estimated cost of living is 10% higher than average. The overall index is calculated using weighted estimates across major everyday expense categories, including housing (30%), groceries (16%), transportation (12%), healthcare (10%), utilities (8%), lifestyle and entertainment (8%), household expenses (8%), and education and childcare (8%). All values are AI-assisted city-level estimates designed for directional comparisons.
Index	Hephzibah	Georgia	National
Cost of living	92	96	100
Groceries	103	99	100
Health care	97	99	100
Housing	72	88	100
Transportation	102	99	100
Utilities	105	102	100
Lifestyle & Entertainment	95	100	100
Household Items	99	100	100
Education & Childcare	100	99	100

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Homes For Sale In Hephzibah, GA

1032 Mizuno Dr

Augusta, GA

4634 Storey Mill Rd

Hephzibah, GA

681 Wright Allen Rd

Blythe, GA

3346 Thames Pl

Hephzibah, GA

See the Newest Homes For Sale In Hephzibah, GA

Cost Of Living Quick Facts

The cost of living in Hephzibah is 4% lower than the Georgia average
The cost of living in Hephzibah is 8% lower than the national average
Hephzibah housing is 28% lower than the national average
Georgia general sales tax is 22% lower than the national average
Georgia state income tax is 61% lower than the national average

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Price difference in compared to

Cost of living index
Groceries index
Health care index
Housing index
Transportation index
Utilities index
Lifestyle index
Household index
Educare index

Median Income & Debt-To-Income Ratio

Median Income	Per Year	Per Month	Max Budget (28% DTI)	Max Budget (36% DTI)
Owners	$83,290	$6,941	$1,943	$2,499
Renters	$53,316	$4,443	$1,244	$1,600

A good way to judge both the affordability of the housing and the cost of living in Hephzibah is by simply calculating the maximum that should be spent on housing, otherwise known as the debt-to-income ratio (DTI). The plan is to avoid spending more than 28 percent of the gross income on costs that pertain to housing and no more than 36 percent on all expenses and debts. Hephzibah has a median income of about $83,290 for people who own homes. Based on that number, a maximum of $1,943 should be spent on expenses related to housing. Renters have a slightly different median income, which is $53,316. Based on this average, renters should spend no more than $1,244 on all rental costs if they want to maintain a non-impoverished standard of living.

Georgia Sales Tax

State	General Sales Tax	With Max Surtax
Georgia	4%	8%

Georgia Income Tax

State	Income Tax (Low)	Income Tax (High)
Georgia	1%	5.57%

Nearby cities with low cost of living

City	Population	Cost of Living Index	National Avg.
Matthews, GA	107	99	1.4%
Keysville, GA	349	90	10.1%
Waynesboro, GA	5,670	90	10.0%
Blythe, GA	704	89	11.2%
Clearwater, SC	4,174	92	8.2%
Hephzibah, GA	4,050	92	8.1%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Throop, PA	4,050	92	7.5%
Bonnechere Valley, ON	4,049	n/a
Linden, MI	4,048	93	6.9%
Manning, SC	4,048	86	13.7%
Highland Beach, FL	4,052	168	68.4%
Hephzibah, GA	4,050	92	8.1%