Franklin County, Georgia home prices
Typical home $287,015 · +2.2% in a year · property tax 0.72%
The typical home in Franklin County is worth $287,015, 13% less than the Georgia typical home ($329,115). Values changed +2.2% in the past year and +31.8% over five years. Homeowners here pay a median 0.72% of their home's value in property tax each year ($2,065 on the typical home), versus 0.77% statewide.
Mortgage on the typical Franklin County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $57,403 | $229,612 | $1,545 | $0 | $316 | $1,860 | $79,700 |
| 10% down | $28,702 | $258,314 | $1,738 | $108 | $316 | $2,161 | $92,600 |
| 5% down | $14,351 | $272,664 | $1,834 | $114 | $316 | $2,263 | $97,000 |
| 3.5% down (FHA) | $10,046 | $281,817 | $1,896 | $127 | $316 | $2,338 | $100,200 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.72% 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 |
|---|---|---|---|
| Carroll County | $286,340 | +0.3% | 0.61% |
| Lamar County | $284,288 | +4.3% | 0.86% |
| Catoosa County | $290,417 | +0.4% | 0.65% |
| Long County | $281,457 | +2.1% | 0.87% |
| Newton County | $292,673 | -0.6% | 0.89% |
| Bulloch County | $276,176 | -0.2% | 0.75% |
| Gordon County | $275,356 | +3.1% | 0.69% |
| Rockdale County | $299,033 | -1.4% | 0.71% |
| McIntosh County | $274,105 | +2.7% | 0.8% |
| Butts County | $274,022 | +0.8% | 0.82% |
Frequently asked questions
What is the average home price in Franklin County, GA?
The typical home value in Franklin County is $287,015 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Franklin County?
About $79,700 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Franklin County?
The median effective rate is 0.72% of home value a year (Census ACS 2024 5-year estimates).