Decatur is considered moderately expensive in 2025, with average rent for a 2-bedroom apartment at $1,950 and slightly higher grocery costs compared to national averages.
For a couple in Decatur, GA, a comfortable lifestyle typically requires a gross monthly income of around $4,500 in 2025. Let’s break down the major expenses to see where that money goes.
Housing Costs in Decatur
Housing is the biggest expense for most Decatur residents. A typical 2-bedroom apartment rents for $1,800 to $2,100 per month, with a median of $1,950. Prices are higher in walkable areas near downtown and lower in outlying neighborhoods.
For those looking to purchase, a 3-bedroom single-family home ranges from $350,000 to $550,000 depending on age, size, and location. With a 10% down payment, that translates to a monthly mortgage of roughly:
- $1,900 – $2,400 for a $350,000 home
- $2,500 – $3,000 for a $450,000 home
- $3,000 – $3,600 for a $550,000 home
Note that some neighborhoods have mandatory Homeowners Association (HOA) fees, typically $200-400 per month, to cover shared amenities and exterior maintenance.
Utilities and Energy Bills
In Decatur, basic utilities for a 1,000 square foot apartment average $180 per month, including:
- Electricity: $110
- Water/Sewer/Trash: $70
- Natural Gas: Varies, $30-50 in winter months
Internet service runs an additional $60-80 per month. Cooling costs spike in the summer, pushing electric bills to $150+ during the hottest months.
Groceries and Food
Decatur grocery costs are about 5% higher than the national average. A single person spends around $350-400 per month on groceries, while a family of four budgets $900-1,100.
A gallon of milk is $4.20, a loaf of bread $3.50, and a dozen eggs $3.00. Dining out costs $12-15 per person for a basic meal, or $50-80 for dinner for two at a mid-range restaurant.
Taxes in Decatur
Georgia has a flat 5.75% state income tax rate. For a couple earning $54,000 per year ($4,500/month), that’s about $260 per month in state taxes.
Sales tax in Decatur is 8%, which includes the 4% state rate plus 4% in local taxes. Property tax rates are around 1.1% of assessed value, or $460/month for a $500,000 home.
Monthly Cost of Living in Decatur
| Expense | Single Person | Couple | Family of 4 |
|---|---|---|---|
| Housing (Rent) | $1,400 | $1,950 | $2,300 |
| Utilities | $180 | $220 | $300 |
| Groceries | $380 | $650 | $1,000 |
| Transportation | $200 | $300 | $400 |
| Healthcare | $250 | $550 | $800 |
| Other Necessities | $400 | $600 | $800 |
| Total | $2,810 | $4,270 | $5,600 |
These figures represent basic living expenses and do not include savings, entertainment, dining out, or travel. For a more comfortable lifestyle with room for discretionary spending, add 20-30% to these totals.
Lifestyle Considerations
Decatur offers a mix of walkable in-town neighborhoods and more car-dependent suburbs. Living near the city center provides easy access to MARTA transit, local shops and restaurants, while the outer areas have more spacious homes with yards.
Traffic congestion can be a challenge, with average commute times around 30 minutes. However, many residents are able to work remotely or commute by MARTA to jobs in downtown Atlanta.
Decatur is known for its strong schools, community events, and local businesses. It’s a popular choice for families and professionals who value a small-town feel with big-city amenities nearby.
Frequently Asked Questions
What salary do you need to live comfortably in Decatur?
For a single person, a gross income of $3,500/month allows for a comfortable lifestyle. Couples generally need $4,500/month, and families $6,000+, to live comfortably while saving for the future.
Is Decatur cheaper than Atlanta?
Decatur is slightly less expensive than Atlanta proper. Housing costs about 10% less, while other expenses like groceries and utilities are comparable.
What’s the median household income in Decatur?
As of 2025, the median household income in Decatur is $68,000 per year, or about $5,700 per month before taxes.
How much should I budget for transportation?
Transportation costs vary depending on your commute. Expect to spend $200-300/month per person for car expenses like gas, insurance, and maintenance. MARTA passes are $100/month.
Is Decatur walkable?
Neighborhoods near downtown Decatur are very walkable, with easy access to parks, restaurants, and local businesses. Outer suburbs are more car-dependent.
How much are moving costs to Decatur?
Moving a 2-3 bedroom home locally costs $1,000-2,000, while moving cross-country ranges $4,000-8,000 or more. Smaller moves can use portable storage containers, while larger homes require full-service movers. Check out our guide on pods vs trucks to see which option fits your move.
What’s the job market like in Decatur?
Decatur has a diverse economy with jobs in education, healthcare, professional services, and government. The unemployment rate is 3.8%, slightly below the national average.