Hart County, Georgia home prices
Typical home $310,321 · +1.4% in a year · property tax 0.56%
The typical home in Hart County is worth $310,321, 6% less than the Georgia typical home ($329,115). Values changed +1.4% in the past year and +20.8% over five years. Homeowners here pay a median 0.56% of their home's value in property tax each year ($1,744 on the typical home), versus 0.77% statewide.
Mortgage on the typical Hart County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $62,064 | $248,257 | $1,670 | $0 | $301 | $1,971 | $84,500 |
| 10% down | $31,032 | $279,289 | $1,879 | $116 | $301 | $2,296 | $98,400 |
| 5% down | $15,516 | $294,805 | $1,983 | $123 | $301 | $2,407 | $103,100 |
| 3.5% down (FHA) | $10,861 | $304,700 | $2,050 | $137 | $301 | $2,488 | $106,600 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.56% 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 |
|---|---|---|---|
| Oglethorpe County | $314,809 | +3.9% | 0.75% |
| Camden County | $305,322 | +0.2% | 0.88% |
| White County | $319,293 | +1.6% | 0.65% |
| Henry County | $319,772 | -2.3% | 0.87% |
| Douglas County | $300,429 | -2.8% | 0.75% |
| Rockdale County | $299,033 | -1.4% | 0.71% |
| Habersham County | $321,659 | +1.9% | 0.59% |
| Jasper County | $323,091 | +4.1% | 0.8% |
| Madison County | $323,306 | +3.2% | 0.76% |
| Bartow County | $324,008 | +1.0% | 0.7% |
Frequently asked questions
What is the average home price in Hart County, GA?
The typical home value in Hart County is $310,321 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Hart County?
About $84,500 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Hart County?
The median effective rate is 0.56% of home value a year (Census ACS 2024 5-year estimates).