Elbert County, Georgia home prices
Typical home $183,642 · +4.2% in a year · property tax 0.91%
The typical home in Elbert County is worth $183,642, 44% less than the Georgia typical home ($329,115). Values changed +4.2% in the past year and +37.5% over five years. Homeowners here pay a median 0.91% of their home's value in property tax each year ($1,679 on the typical home), versus 0.77% statewide.
Mortgage on the typical Elbert County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $36,728 | $146,913 | $988 | $0 | $232 | $1,220 | $52,300 |
| 10% down | $18,364 | $165,277 | $1,112 | $69 | $232 | $1,412 | $60,500 |
| 5% down | $9,182 | $174,460 | $1,174 | $73 | $232 | $1,478 | $63,300 |
| 3.5% down (FHA) | $6,427 | $180,315 | $1,213 | $81 | $232 | $1,526 | $65,400 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.91% 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.
Georgia counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Marion County | $183,035 | +7.3% | 0.71% |
| Schley County | $184,684 | +2.6% | 0.9% |
| Upson County | $184,998 | +4.4% | 0.85% |
| Berrien County | $185,696 | +2.7% | 0.86% |
| Talbot County | $181,343 | +2.0% | 1.16% |
| Laurens County | $181,297 | +4.3% | 0.66% |
| Brooks County | $187,434 | +5.5% | 1.14% |
| Screven County | $188,184 | +12.6% | 1.22% |
| Muscogee County | $188,877 | +3.2% | 0.86% |
| Evans County | $176,544 | +13.7% | 1.02% |
Frequently asked questions
What is the average home price in Elbert County, GA?
The typical home value in Elbert County is $183,642 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Elbert County?
About $52,300 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Elbert County?
The median effective rate is 0.91% of home value a year (Census ACS 2024 5-year estimates).