Effingham County, Georgia home prices
Typical home $334,444 · -1.7% in a year · property tax 0.9%
The typical home in Effingham County is worth $334,444, about the same as the Georgia typical home ($329,115). Values changed -1.7% in the past year and +33.8% over five years. Homeowners here pay a median 0.9% of their home's value in property tax each year ($3,023 on the typical home), versus 0.77% statewide.
Mortgage on the typical Effingham County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $66,889 | $267,555 | $1,800 | $0 | $419 | $2,219 | $95,100 |
| 10% down | $33,444 | $301,000 | $2,025 | $125 | $419 | $2,569 | $110,100 |
| 5% down | $16,722 | $317,722 | $2,137 | $132 | $419 | $2,689 | $115,200 |
| 3.5% down (FHA) | $11,706 | $328,386 | $2,209 | $148 | $419 | $2,776 | $119,000 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.9% 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 |
|---|---|---|---|
| Monroe County | $335,556 | +3.0% | 0.7% |
| Dekalb County | $332,528 | -1.8% | 0.93% |
| Chatham County | $332,415 | -3.4% | 0.84% |
| Columbia County | $331,924 | +1.7% | 0.82% |
| Clarke County | $331,786 | +1.7% | 0.87% |
| 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 Effingham County, GA?
The typical home value in Effingham County is $334,444 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Effingham County?
About $95,100 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Effingham County?
The median effective rate is 0.9% of home value a year (Census ACS 2024 5-year estimates).