How much house can I afford on $70,000 in Georgia?
About $250,000 with 20% down ($199,000 with an FHA loan), using Georgia's 0.77% property tax rate.
That is $78,842 less than the typical Georgia home ($329,115), so on $70,000 you'd look at cheaper areas or a smaller home. The payment of $1,633 covers $1,347 principal and interest, $161 property tax and $125 insurance.
Counties in Georgia you can afford on $70,000
96 of 159 counties have a typical home value at or below $250,000. The 25 priciest of them:
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Liberty County | $247,145 | -0.5% | 1.04% |
| Whitfield County | $245,954 | -0.5% | 0.64% |
| Murray County | $241,962 | +1.7% | 0.68% |
| Walker County | $241,479 | +1.4% | 0.75% |
| Stephens County | $236,115 | +2.5% | 0.81% |
| Troup County | $234,932 | +2.1% | 0.93% |
| Peach County | $234,387 | +3.8% | 1.02% |
| Floyd County | $232,904 | +1.5% | 0.85% |
| Baldwin County | $231,908 | +1.0% | 0.7% |
| Spalding County | $231,254 | -2.0% | 0.94% |
| Lowndes County | $229,148 | +3.6% | 0.81% |
| Clayton County | $228,970 | -3.7% | 0.87% |
| Thomas County | $224,733 | +4.0% | 0.78% |
| Polk County | $221,632 | +3.0% | 0.75% |
| Candler County | $221,592 | +7.1% | 1.08% |
| Lanier County | $217,489 | +4.0% | 1% |
| Meriwether County | $215,610 | +4.4% | 0.86% |
| 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% |
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 $70,000 in Georgia?
About $250,000 with 20% down at 7.11%, keeping the payment (with Georgia's 0.77% property tax and insurance) under $1,633 a month.
Is $70,000 enough to buy a house in Georgia?
Not the typical home: the typical Georgia home is worth $329,115 (Zillow, September 2026) and $70,000 supports about $250,000. 96 of 159 counties are within budget.