Chatham County, Georgia home prices
Typical home $332,415 · -3.4% in a year · property tax 0.84%
The typical home in Chatham County is worth $332,415, about the same as the Georgia typical home ($329,115). Values changed -3.4% in the past year and +29.8% over five years. Homeowners here pay a median 0.84% of their home's value in property tax each year ($2,790 on the typical home), versus 0.77% statewide.
Mortgage on the typical Chatham County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $66,483 | $265,932 | $1,789 | $0 | $399 | $2,188 | $93,800 |
| 10% down | $33,241 | $299,173 | $2,013 | $125 | $399 | $2,536 | $108,700 |
| 5% down | $16,621 | $315,794 | $2,124 | $132 | $399 | $2,655 | $113,800 |
| 3.5% down (FHA) | $11,635 | $326,394 | $2,196 | $147 | $399 | $2,741 | $117,500 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.84% 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.
What it takes: see what you can afford by salary in Georgia · part of the Savannah metro area.
Georgia counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Dekalb County | $332,528 | -1.8% | 0.93% |
| Columbia County | $331,924 | +1.7% | 0.82% |
| Clarke County | $331,786 | +1.7% | 0.87% |
| Effingham County | $334,444 | -1.7% | 0.9% |
| Monroe County | $335,556 | +3.0% | 0.7% |
| Banks County | $338,852 | +0.2% | 0.6% |
| Paulding County | $340,765 | -0.4% | 0.8% |
| Bartow County | $324,008 | +1.0% | 0.7% |
| Madison County | $323,306 | +3.2% | 0.76% |
| Jasper County | $323,091 | +4.1% | 0.8% |
Frequently asked questions
What is the average home price in Chatham County, GA?
The typical home value in Chatham County is $332,415 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Chatham County?
About $93,800 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Chatham County?
The median effective rate is 0.84% of home value a year (Census ACS 2024 5-year estimates).