Decatur County, Georgia home prices
Typical home $169,821 · +4.8% in a year · property tax 0.95%
The typical home in Decatur County is worth $169,821, 48% less than the Georgia typical home ($329,115). Values changed +4.8% in the past year and +20.4% over five years. Homeowners here pay a median 0.95% of their home's value in property tax each year ($1,619 on the typical home), versus 0.77% statewide.
Mortgage on the typical Decatur County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $33,964 | $135,857 | $914 | $0 | $220 | $1,134 | $48,600 |
| 10% down | $16,982 | $152,839 | $1,028 | $64 | $220 | $1,312 | $56,200 |
| 5% down | $8,491 | $161,330 | $1,085 | $67 | $220 | $1,372 | $58,800 |
| 3.5% down (FHA) | $5,944 | $166,745 | $1,122 | $75 | $220 | $1,417 | $60,700 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.95% 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 Bainbridge metro area.
Georgia counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Bibb County | $170,006 | +2.4% | 1.03% |
| Cook County | $168,973 | +6.9% | 0.78% |
| Toombs County | $171,022 | +1.6% | 0.9% |
| Echols County | $168,349 | +4.0% | 0.91% |
| Brantley County | $172,578 | +7.7% | 1.19% |
| Bleckley County | $173,007 | +8.2% | 0.95% |
| Montgomery County | $173,631 | +5.9% | 1.04% |
| Colquitt County | $165,756 | +6.3% | 0.84% |
| Worth County | $174,359 | +9.9% | 1.13% |
| Chattooga County | $175,003 | +4.0% | 0.88% |
Frequently asked questions
What is the average home price in Decatur County, GA?
The typical home value in Decatur County is $169,821 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Decatur County?
About $48,600 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Decatur County?
The median effective rate is 0.95% of home value a year (Census ACS 2024 5-year estimates).