Homer's housing stock is a mix of older homes near the historic courthouse district, conventional single-family houses on town streets, and larger rural parcels and newer construction on the outskirts. Because Banks County remains largely rural, much of the housing around Homer consists of single-family homes on lots that offer more space than in-town Northeast Georgia suburbs. Most residents own their homes, and the market tends to attract families and long-term residents rather than transient renters. Buyers seeking acreage, small farms, or room to build will find options in the surrounding countryside, while the town itself offers a walkable, established core.

Homer does not have large, formal subdivisions in the manner of a metro-area suburb. Instead, the town is organized around its historic civic center, with residential streets and established homes radiating from the courthouse square area. Beyond the incorporated limits, the surrounding Banks County countryside is dotted with scattered homes, small farms, and a few modest residential developments. This pattern gives Homer a genuinely small-town feel, with most residents living within a short drive of the schools, the recreation center, and the town's businesses.

Life in Homer centers on small-town institutions: the county courthouse and government offices, the school district, local churches, and community recreation programs. Windmill Park and the Banks County Recreation Center provide sports fields, walking trails, playgrounds, and gymnasium space that anchor youth leagues and family activities. Shopping and dining are limited within town, so residents look to nearby Commerce—home to outlet and big-box retail just off I-85—and to Gainesville and Athens for a broader range of restaurants, entertainment, and services. The result is a quiet, community-focused lifestyle with urban conveniences a short drive away.

Homer is the home of the Banks County School District, a single-county public district headquartered in town. The district operates the county's only high school, Banks County High School, along with its elementary and middle schools, giving Homer a central role in county education. Families across Banks County send their children through the district, and school events and athletics are significant parts of community life. For higher education, Athens—home to the University of Georgia—lies within an easy drive to the south via US-441.

Homer sits along the old alignment of US-441 and just west of Interstate 85, whose Exit 149 at Commerce provides the town's main link to the wider region. I-85 carries traffic southwest toward Atlanta and northeast toward Greenville, South Carolina, making Homer surprisingly well-connected for a rural county seat. US-441 runs south toward Athens and north toward the North Carolina line, and nearby Gainesville anchors the western side of the region. Commuting is car-based, with Commerce, Gainesville, and Athens serving as the main employment and service centers within a short drive.

Recreation in Homer is anchored by Windmill Park and the Banks County Recreation Center. Windmill Park offers ten baseball and softball fields, multiple playgrounds, tennis courts, a multipurpose field with a paved track, and about a mile and a half of paved walking trails, while the recreation center includes two gymnasiums and program space. The surrounding Northeast Georgia foothills provide opportunities for hiking, fishing, and outdoor recreation at nearby lakes and state parks, and the proximity of the mountains of North Georgia makes Homer a convenient base for weekend excursions.