How much house can I afford on $90,000 in Georgia?
About $322,000 with 20% down ($256,000 with an FHA loan), using Georgia's 0.77% property tax rate.
That is $7,335 less than the typical Georgia home ($329,115), so on $90,000 you'd look at cheaper areas or a smaller home. The payment of $2,100 covers $1,732 principal and interest, $207 property tax and $161 insurance.
Counties in Georgia you can afford on $90,000
121 of 159 counties have a typical home value at or below $322,000. The 25 priciest of them:
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| 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% |
| 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% |
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 $90,000 in Georgia?
About $322,000 with 20% down at 7.11%, keeping the payment (with Georgia's 0.77% property tax and insurance) under $2,100 a month.
Is $90,000 enough to buy a house in Georgia?
Not the typical home: the typical Georgia home is worth $329,115 (Zillow, September 2026) and $90,000 supports about $322,000. 121 of 159 counties are within budget.