How much house can I afford on $100,000 in Georgia?
About $358,000 with 20% down ($285,000 with an FHA loan), using Georgia's 0.77% property tax rate.
That is $28,418 more than the typical Georgia home ($329,115), so a $100,000 salary can buy a typical home here. The payment of $2,333 covers $1,924 principal and interest, $230 property tax and $179 insurance.
Counties in Georgia you can afford on $100,000
133 of 159 counties have a typical home value at or below $358,000. The 25 priciest of them:
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Barrow County | $349,483 | -1.2% | 0.78% |
| Paulding County | $340,765 | -0.4% | 0.8% |
| Banks County | $338,852 | +0.2% | 0.6% |
| Monroe County | $335,556 | +3.0% | 0.7% |
| Effingham County | $334,444 | -1.7% | 0.9% |
| Dekalb County | $332,528 | -1.8% | 0.93% |
| Chatham County | $332,415 | -3.4% | 0.84% |
| Columbia County | $331,924 | +1.7% | 0.82% |
| Clarke County | $331,786 | +1.7% | 0.87% |
| Bartow County | $324,008 | +1.0% | 0.7% |
| Madison County | $323,306 | +3.2% | 0.76% |
| Jasper County | $323,091 | +4.1% | 0.8% |
| Habersham County | $321,659 | +1.9% | 0.59% |
| Henry County | $319,772 | -2.3% | 0.87% |
| White County | $319,293 | +1.6% | 0.65% |
| Oglethorpe County | $314,809 | +3.9% | 0.75% |
| Hart County | $310,321 | +1.4% | 0.56% |
| Camden County | $305,322 | +0.2% | 0.88% |
| Douglas County | $300,429 | -2.8% | 0.75% |
| Rockdale County | $299,033 | -1.4% | 0.71% |
| Newton County | $292,673 | -0.6% | 0.89% |
| Catoosa County | $290,417 | +0.4% | 0.65% |
| Franklin County | $287,015 | +2.2% | 0.72% |
| Carroll County | $286,340 | +0.3% | 0.61% |
| Lamar County | $284,288 | +4.3% | 0.86% |
Affordable metro areas
Assumes a 30-year fixed loan at 7.11%, property tax of 0.77% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
Other salaries in Georgia
Frequently asked questions
How much house can I afford on $100,000 in Georgia?
About $358,000 with 20% down at 7.11%, keeping the payment (with Georgia's 0.77% property tax and insurance) under $2,333 a month.
Is $100,000 enough to buy a house in Georgia?
Yes: the typical Georgia home is worth $329,115 (Zillow, September 2026) and $100,000 supports about $358,000. 133 of 159 counties are within budget.