How much house can I afford on $80,000 in Georgia?
About $286,000 with 20% down ($228,000 with an FHA loan), using Georgia's 0.77% property tax rate.
That is $43,088 less than the typical Georgia home ($329,115), so on $80,000 you'd look at cheaper areas or a smaller home. The payment of $1,867 covers $1,539 principal and interest, $184 property tax and $143 insurance.
Counties in Georgia you can afford on $80,000
109 of 159 counties have a typical home value at or below $286,000. The 25 priciest of them:
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Lamar County | $284,288 | +4.3% | 0.86% |
| Long County | $281,457 | +2.1% | 0.87% |
| Bulloch County | $276,176 | -0.2% | 0.75% |
| Gordon County | $275,356 | +3.1% | 0.69% |
| McIntosh County | $274,105 | +2.7% | 0.8% |
| Butts County | $274,022 | +0.8% | 0.82% |
| Haralson County | $271,901 | +1.8% | 0.8% |
| Heard County | $269,774 | +3.3% | 0.56% |
| Lee County | $263,302 | +1.9% | 0.97% |
| Lincoln County | $258,826 | +6.7% | 0.99% |
| Houston County | $256,798 | +2.9% | 0.83% |
| Dade County | $252,687 | +1.4% | 0.57% |
| Jones County | $250,794 | +4.0% | 0.97% |
| 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% |
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 $80,000 in Georgia?
About $286,000 with 20% down at 7.11%, keeping the payment (with Georgia's 0.77% property tax and insurance) under $1,867 a month.
Is $80,000 enough to buy a house in Georgia?
Not the typical home: the typical Georgia home is worth $329,115 (Zillow, September 2026) and $80,000 supports about $286,000. 109 of 159 counties are within budget.