How much house can I afford on $60,000 in Georgia?
About $215,000 with 20% down ($171,000 with an FHA loan), using Georgia's 0.77% property tax rate.
That is $114,595 less than the typical Georgia home ($329,115), so on $60,000 you'd look at cheaper areas or a smaller home. The payment of $1,400 covers $1,154 principal and interest, $138 property tax and $107 insurance.
Counties in Georgia you can afford on $60,000
79 of 159 counties have a typical home value at or below $215,000. The 25 priciest of them:
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Hancock County | $209,661 | +1.0% | 1.09% |
| Wayne County | $209,466 | +6.1% | 0.78% |
| Charlton County | $208,451 | +1.4% | 0.76% |
| Pierce County | $206,752 | +4.8% | 0.83% |
| Crawford County | $206,348 | +7.9% | 0.87% |
| Tift County | $206,321 | +3.7% | 0.86% |
| Grady County | $197,927 | +9.2% | 0.91% |
| McDuffie County | $197,177 | +4.0% | 0.82% |
| Richmond County | $194,252 | +2.4% | 0.84% |
| Tattnall County | $193,995 | +8.2% | 0.9% |
| Glascock County | $190,762 | +5.2% | 1.03% |
| Muscogee County | $188,877 | +3.2% | 0.86% |
| Screven County | $188,184 | +12.6% | 1.22% |
| Brooks County | $187,434 | +5.5% | 1.14% |
| Berrien County | $185,696 | +2.7% | 0.86% |
| Upson County | $184,998 | +4.4% | 0.85% |
| Schley County | $184,684 | +2.6% | 0.9% |
| Elbert County | $183,642 | +4.2% | 0.91% |
| Marion County | $183,035 | +7.3% | 0.71% |
| Talbot County | $181,343 | +2.0% | 1.16% |
| Laurens County | $181,297 | +4.3% | 0.66% |
| Evans County | $176,544 | +13.7% | 1.02% |
| Coffee County | $176,005 | +2.8% | 0.76% |
| Burke County | $175,149 | +8.0% | 0.68% |
| Pulaski County | $175,071 | +2.5% | 0.93% |
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 $60,000 in Georgia?
About $215,000 with 20% down at 7.11%, keeping the payment (with Georgia's 0.77% property tax and insurance) under $1,400 a month.
Is $60,000 enough to buy a house in Georgia?
Not the typical home: the typical Georgia home is worth $329,115 (Zillow, September 2026) and $60,000 supports about $215,000. 79 of 159 counties are within budget.