Lumpkin County, Georgia home prices
Typical home $387,346 · +1.0% in a year · property tax 0.65%
The typical home in Lumpkin County is worth $387,346, 18% more than the Georgia typical home ($329,115). Values changed +1.0% in the past year and +27.5% over five years. Homeowners here pay a median 0.65% of their home's value in property tax each year ($2,502 on the typical home), versus 0.77% statewide.
Mortgage on the typical Lumpkin County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $77,469 | $309,877 | $2,085 | $0 | $402 | $2,487 | $106,600 |
| 10% down | $38,735 | $348,611 | $2,345 | $145 | $402 | $2,893 | $124,000 |
| 5% down | $19,367 | $367,978 | $2,475 | $153 | $402 | $3,031 | $129,900 |
| 3.5% down (FHA) | $13,557 | $380,330 | $2,559 | $171 | $402 | $3,132 | $134,200 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.65% 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 |
|---|---|---|---|
| Walton County | $386,487 | +0.1% | 0.75% |
| Hall County | $385,567 | -1.3% | 0.73% |
| Coweta County | $391,150 | -0.6% | 0.73% |
| Pickens County | $392,212 | +1.5% | 0.6% |
| Union County | $382,056 | -0.2% | 0.52% |
| Bryan County | $397,396 | -1.2% | 0.78% |
| Towns County | $397,867 | +0.5% | 0.34% |
| Harris County | $375,897 | +4.5% | 0.85% |
| Jackson County | $400,788 | -0.5% | 0.87% |
| Gwinnett County | $400,880 | -2.5% | 0.95% |
Frequently asked questions
What is the average home price in Lumpkin County, GA?
The typical home value in Lumpkin County is $387,346 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Lumpkin County?
About $106,600 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Lumpkin County?
The median effective rate is 0.65% of home value a year (Census ACS 2024 5-year estimates).