Habersham County, Georgia home prices
Typical home $321,659 · +1.9% in a year · property tax 0.59%
The typical home in Habersham County is worth $321,659, 2% less than the Georgia typical home ($329,115). Values changed +1.9% in the past year and +36.1% over five years. Homeowners here pay a median 0.59% of their home's value in property tax each year ($1,894 on the typical home), versus 0.77% statewide.
Mortgage on the typical Habersham County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $64,332 | $257,327 | $1,731 | $0 | $319 | $2,050 | $87,800 |
| 10% down | $32,166 | $289,493 | $1,947 | $121 | $319 | $2,387 | $102,300 |
| 5% down | $16,083 | $305,576 | $2,056 | $127 | $319 | $2,502 | $107,200 |
| 3.5% down (FHA) | $11,258 | $315,833 | $2,125 | $142 | $319 | $2,586 | $110,800 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.59% 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 Cornelia metro area.
Georgia counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Jasper County | $323,091 | +4.1% | 0.8% |
| Madison County | $323,306 | +3.2% | 0.76% |
| Henry County | $319,772 | -2.3% | 0.87% |
| Bartow County | $324,008 | +1.0% | 0.7% |
| White County | $319,293 | +1.6% | 0.65% |
| Oglethorpe County | $314,809 | +3.9% | 0.75% |
| Clarke County | $331,786 | +1.7% | 0.87% |
| Columbia County | $331,924 | +1.7% | 0.82% |
| Chatham County | $332,415 | -3.4% | 0.84% |
| Dekalb County | $332,528 | -1.8% | 0.93% |
Frequently asked questions
What is the average home price in Habersham County, GA?
The typical home value in Habersham County is $321,659 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Habersham County?
About $87,800 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Habersham County?
The median effective rate is 0.59% of home value a year (Census ACS 2024 5-year estimates).