Heard County, Georgia home prices
Typical home $269,774 · +3.3% in a year · property tax 0.56%
The typical home in Heard County is worth $269,774, 18% less than the Georgia typical home ($329,115). Values changed +3.3% in the past year and +34.8% over five years. Homeowners here pay a median 0.56% of their home's value in property tax each year ($1,515 on the typical home), versus 0.77% statewide.
Mortgage on the typical Heard County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $53,955 | $215,820 | $1,452 | $0 | $261 | $1,713 | $73,400 |
| 10% down | $26,977 | $242,797 | $1,633 | $101 | $261 | $1,996 | $85,500 |
| 5% down | $13,489 | $256,286 | $1,724 | $107 | $261 | $2,092 | $89,700 |
| 3.5% down (FHA) | $9,442 | $264,888 | $1,782 | $119 | $261 | $2,162 | $92,700 |
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 · part of the Atlanta metro area.
Georgia counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Haralson County | $271,901 | +1.8% | 0.8% |
| Butts County | $274,022 | +0.8% | 0.82% |
| McIntosh County | $274,105 | +2.7% | 0.8% |
| Gordon County | $275,356 | +3.1% | 0.69% |
| Bulloch County | $276,176 | -0.2% | 0.75% |
| Lee County | $263,302 | +1.9% | 0.97% |
| Lincoln County | $258,826 | +6.7% | 0.99% |
| Long County | $281,457 | +2.1% | 0.87% |
| Houston County | $256,798 | +2.9% | 0.83% |
| Lamar County | $284,288 | +4.3% | 0.86% |
Frequently asked questions
What is the average home price in Heard County, GA?
The typical home value in Heard County is $269,774 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Heard County?
About $73,400 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Heard County?
The median effective rate is 0.56% of home value a year (Census ACS 2024 5-year estimates).