Jefferson County, Georgia home prices
Typical home $114,572 · -3.6% in a year · property tax 0.96%
The typical home in Jefferson County is worth $114,572, 65% less than the Georgia typical home ($329,115). Values changed -3.6% in the past year and -5.8% over five years. Homeowners here pay a median 0.96% of their home's value in property tax each year ($1,097 on the typical home), versus 0.77% statewide.
Mortgage on the typical Jefferson County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $22,914 | $91,658 | $617 | $0 | $149 | $765 | $32,800 |
| 10% down | $11,457 | $103,115 | $694 | $43 | $149 | $885 | $37,900 |
| 5% down | $5,729 | $108,844 | $732 | $45 | $149 | $926 | $39,700 |
| 3.5% down (FHA) | $4,010 | $112,497 | $757 | $51 | $149 | $956 | $41,000 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.96% 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 |
|---|---|---|---|
| Warren County | $112,060 | +7.6% | 1.09% |
| Telfair County | $111,567 | +1.8% | 1.12% |
| Baker County | $118,258 | +2.3% | 0.86% |
| Terrell County | $120,540 | +5.2% | 1.04% |
| Ben Hill County | $121,152 | -2.0% | 1.07% |
| Quitman County | $122,648 | +10.1% | 0.77% |
| Clinch County | $124,928 | +11.7% | 1.3% |
| Early County | $124,962 | +8.3% | 0.82% |
| Treutlen County | $125,938 | +2.2% | 0.71% |
| Dougherty County | $126,402 | +2.5% | 1.33% |
Frequently asked questions
What is the average home price in Jefferson County, GA?
The typical home value in Jefferson County is $114,572 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Jefferson County?
About $32,800 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Jefferson County?
The median effective rate is 0.96% of home value a year (Census ACS 2024 5-year estimates).