Floyd County, Georgia home prices
Typical home $232,904 · +1.5% in a year · property tax 0.85%
The typical home in Floyd County is worth $232,904, 29% less than the Georgia typical home ($329,115). Values changed +1.5% in the past year and +27.2% over five years. Homeowners here pay a median 0.85% of their home's value in property tax each year ($1,974 on the typical home), versus 0.77% statewide.
Mortgage on the typical Floyd County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $46,581 | $186,324 | $1,253 | $0 | $281 | $1,534 | $65,800 |
| 10% down | $23,290 | $209,614 | $1,410 | $87 | $281 | $1,778 | $76,200 |
| 5% down | $11,645 | $221,259 | $1,488 | $92 | $281 | $1,862 | $79,800 |
| 3.5% down (FHA) | $8,152 | $228,686 | $1,538 | $103 | $281 | $1,922 | $82,400 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.85% 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 Rome metro area.
Georgia counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Baldwin County | $231,908 | +1.0% | 0.7% |
| Peach County | $234,387 | +3.8% | 1.02% |
| Spalding County | $231,254 | -2.0% | 0.94% |
| Troup County | $234,932 | +2.1% | 0.93% |
| Stephens County | $236,115 | +2.5% | 0.81% |
| Lowndes County | $229,148 | +3.6% | 0.81% |
| Clayton County | $228,970 | -3.7% | 0.87% |
| Thomas County | $224,733 | +4.0% | 0.78% |
| Walker County | $241,479 | +1.4% | 0.75% |
| Murray County | $241,962 | +1.7% | 0.68% |
Frequently asked questions
What is the average home price in Floyd County, GA?
The typical home value in Floyd County is $232,904 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Floyd County?
About $65,800 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Floyd County?
The median effective rate is 0.85% of home value a year (Census ACS 2024 5-year estimates).