Grady County, Georgia home prices
Typical home $197,927 · +9.2% in a year · property tax 0.91%
The typical home in Grady County is worth $197,927, 40% less than the Georgia typical home ($329,115). Values changed +9.2% in the past year and +18.6% over five years. Homeowners here pay a median 0.91% of their home's value in property tax each year ($1,800 on the typical home), versus 0.77% statewide.
Mortgage on the typical Grady County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $39,585 | $158,341 | $1,065 | $0 | $249 | $1,314 | $56,300 |
| 10% down | $19,793 | $178,134 | $1,198 | $74 | $249 | $1,522 | $65,200 |
| 5% down | $9,896 | $188,030 | $1,265 | $78 | $249 | $1,592 | $68,200 |
| 3.5% down (FHA) | $6,927 | $194,342 | $1,307 | $88 | $249 | $1,644 | $70,500 |
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 |
|---|---|---|---|
| McDuffie County | $197,177 | +4.0% | 0.82% |
| Richmond County | $194,252 | +2.4% | 0.84% |
| Tattnall County | $193,995 | +8.2% | 0.9% |
| Glascock County | $190,762 | +5.2% | 1.03% |
| Tift County | $206,321 | +3.7% | 0.86% |
| Crawford County | $206,348 | +7.9% | 0.87% |
| Pierce County | $206,752 | +4.8% | 0.83% |
| Muscogee County | $188,877 | +3.2% | 0.86% |
| Screven County | $188,184 | +12.6% | 1.22% |
| Brooks County | $187,434 | +5.5% | 1.14% |
Frequently asked questions
What is the average home price in Grady County, GA?
The typical home value in Grady County is $197,927 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Grady County?
About $56,300 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Grady County?
The median effective rate is 0.91% of home value a year (Census ACS 2024 5-year estimates).