Irwin County, Georgia home prices
Typical home $153,871 · +5.1% in a year · property tax 1.07%
The typical home in Irwin County is worth $153,871, 53% less than the Georgia typical home ($329,115). Values changed +5.1% in the past year and +18.7% over five years. Homeowners here pay a median 1.07% of their home's value in property tax each year ($1,649 on the typical home), versus 0.77% statewide.
Mortgage on the typical Irwin County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $30,774 | $123,097 | $828 | $0 | $214 | $1,042 | $44,700 |
| 10% down | $15,387 | $138,484 | $932 | $58 | $214 | $1,204 | $51,600 |
| 5% down | $7,694 | $146,178 | $983 | $61 | $214 | $1,259 | $53,900 |
| 3.5% down (FHA) | $5,385 | $151,084 | $1,016 | $68 | $214 | $1,299 | $55,700 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.07% 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 |
|---|---|---|---|
| Jenkins County | $155,166 | +0.3% | 0.86% |
| Taliaferro County | $152,258 | +12.4% | 1.31% |
| Dodge County | $155,734 | +14.2% | 0.87% |
| Appling County | $156,534 | +5.7% | 0.94% |
| Mitchell County | $151,173 | +1.9% | 1.32% |
| Washington County | $149,824 | +10.0% | 1% |
| Webster County | $159,107 | +8.1% | 1.12% |
| Taylor County | $148,508 | +5.1% | 0.96% |
| Bacon County | $159,283 | +6.9% | 1.13% |
| Wheeler County | $148,432 | +8.4% | 0.63% |
Frequently asked questions
What is the average home price in Irwin County, GA?
The typical home value in Irwin County is $153,871 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Irwin County?
About $44,700 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Irwin County?
The median effective rate is 1.07% of home value a year (Census ACS 2024 5-year estimates).