Cherokee County, Georgia home prices
Typical home $469,096 · -1.2% in a year · property tax 0.69%
The typical home in Cherokee County is worth $469,096, 43% more than the Georgia typical home ($329,115). Values changed -1.2% in the past year and +25.1% over five years. Homeowners here pay a median 0.69% of their home's value in property tax each year ($3,218 on the typical home), versus 0.77% statewide.
Mortgage on the typical Cherokee County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $93,819 | $375,277 | $2,525 | $0 | $503 | $3,027 | $129,700 |
| 10% down | $46,910 | $422,186 | $2,840 | $176 | $503 | $3,519 | $150,800 |
| 5% down | $23,455 | $445,641 | $2,998 | $186 | $503 | $3,686 | $158,000 |
| 3.5% down (FHA) | $16,418 | $460,599 | $3,098 | $207 | $503 | $3,809 | $163,200 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.69% 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 Atlanta metro area.
Georgia counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Morgan County | $454,080 | +2.7% | 0.71% |
| Dawson County | $449,830 | -0.4% | 0.6% |
| Fayette County | $491,245 | +0.1% | 0.75% |
| Fannin County | $496,269 | +2.4% | 0.33% |
| Cobb County | $421,940 | -1.8% | 0.67% |
| Fulton County | $414,221 | -1.5% | 0.88% |
| Putnam County | $412,044 | +1.8% | 0.68% |
| Gilmer County | $411,163 | -0.6% | 0.35% |
| Rabun County | $402,742 | +1.1% | 0.56% |
| Gwinnett County | $400,880 | -2.5% | 0.95% |
Frequently asked questions
What is the average home price in Cherokee County, GA?
The typical home value in Cherokee County is $469,096 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Cherokee County?
About $129,700 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Cherokee County?
The median effective rate is 0.69% of home value a year (Census ACS 2024 5-year estimates).