Gilmer County, Georgia home prices
Typical home $411,163 · -0.6% in a year · property tax 0.35%
The typical home in Gilmer County is worth $411,163, 25% more than the Georgia typical home ($329,115). Values changed -0.6% in the past year and +22.1% over five years. Homeowners here pay a median 0.35% of their home's value in property tax each year ($1,452 on the typical home), versus 0.77% statewide.
Mortgage on the typical Gilmer County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $82,233 | $328,930 | $2,213 | $0 | $327 | $2,539 | $108,800 |
| 10% down | $41,116 | $370,046 | $2,489 | $154 | $327 | $2,970 | $127,300 |
| 5% down | $20,558 | $390,605 | $2,628 | $163 | $327 | $3,117 | $133,600 |
| 3.5% down (FHA) | $14,391 | $403,716 | $2,716 | $182 | $327 | $3,224 | $138,200 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.35% 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 |
|---|---|---|---|
| Putnam County | $412,044 | +1.8% | 0.68% |
| Fulton County | $414,221 | -1.5% | 0.88% |
| Rabun County | $402,742 | +1.1% | 0.56% |
| Gwinnett County | $400,880 | -2.5% | 0.95% |
| Jackson County | $400,788 | -0.5% | 0.87% |
| Cobb County | $421,940 | -1.8% | 0.67% |
| Towns County | $397,867 | +0.5% | 0.34% |
| Bryan County | $397,396 | -1.2% | 0.78% |
| Pickens County | $392,212 | +1.5% | 0.6% |
| Coweta County | $391,150 | -0.6% | 0.73% |
Frequently asked questions
What is the average home price in Gilmer County, GA?
The typical home value in Gilmer County is $411,163 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Gilmer County?
About $108,800 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Gilmer County?
The median effective rate is 0.35% of home value a year (Census ACS 2024 5-year estimates).