Lincoln County, Georgia home prices
Typical home $258,826 · +6.7% in a year · property tax 0.99%
The typical home in Lincoln County is worth $258,826, 21% less than the Georgia typical home ($329,115). Values changed +6.7% in the past year and +26.5% over five years. Homeowners here pay a median 0.99% of their home's value in property tax each year ($2,563 on the typical home), versus 0.77% statewide.
Mortgage on the typical Lincoln County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $51,765 | $207,061 | $1,393 | $0 | $343 | $1,736 | $74,400 |
| 10% down | $25,883 | $232,944 | $1,567 | $97 | $343 | $2,007 | $86,000 |
| 5% down | $12,941 | $245,885 | $1,654 | $102 | $343 | $2,100 | $90,000 |
| 3.5% down (FHA) | $9,059 | $254,138 | $1,710 | $114 | $343 | $2,167 | $92,900 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.99% 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 Augusta metro area.
Georgia counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Houston County | $256,798 | +2.9% | 0.83% |
| Lee County | $263,302 | +1.9% | 0.97% |
| Dade County | $252,687 | +1.4% | 0.57% |
| Jones County | $250,794 | +4.0% | 0.97% |
| Heard County | $269,774 | +3.3% | 0.56% |
| Liberty County | $247,145 | -0.5% | 1.04% |
| Whitfield County | $245,954 | -0.5% | 0.64% |
| Haralson County | $271,901 | +1.8% | 0.8% |
| Butts County | $274,022 | +0.8% | 0.82% |
| McIntosh County | $274,105 | +2.7% | 0.8% |
Frequently asked questions
What is the average home price in Lincoln County, GA?
The typical home value in Lincoln County is $258,826 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Lincoln County?
About $74,400 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Lincoln County?
The median effective rate is 0.99% of home value a year (Census ACS 2024 5-year estimates).