Montgomery County, Georgia home prices
Typical home $173,631 · +5.9% in a year · property tax 1.04%
The typical home in Montgomery County is worth $173,631, 47% less than the Georgia typical home ($329,115). Values changed +5.9% in the past year and +18.6% over five years. Homeowners here pay a median 1.04% of their home's value in property tax each year ($1,810 on the typical home), versus 0.77% statewide.
Mortgage on the typical Montgomery County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $34,726 | $138,905 | $934 | $0 | $238 | $1,172 | $50,200 |
| 10% down | $17,363 | $156,268 | $1,051 | $65 | $238 | $1,354 | $58,000 |
| 5% down | $8,682 | $164,949 | $1,110 | $69 | $238 | $1,416 | $60,700 |
| 3.5% down (FHA) | $6,077 | $170,486 | $1,147 | $77 | $238 | $1,461 | $62,600 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.04% 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 Vidalia metro area.
Georgia counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Bleckley County | $173,007 | +8.2% | 0.95% |
| Worth County | $174,359 | +9.9% | 1.13% |
| Brantley County | $172,578 | +7.7% | 1.19% |
| Chattooga County | $175,003 | +4.0% | 0.88% |
| Pulaski County | $175,071 | +2.5% | 0.93% |
| Burke County | $175,149 | +8.0% | 0.68% |
| Coffee County | $176,005 | +2.8% | 0.76% |
| Toombs County | $171,022 | +1.6% | 0.9% |
| Evans County | $176,544 | +13.7% | 1.02% |
| Bibb County | $170,006 | +2.4% | 1.03% |
Frequently asked questions
What is the average home price in Montgomery County, GA?
The typical home value in Montgomery County is $173,631 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Montgomery County?
About $50,200 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Montgomery County?
The median effective rate is 1.04% of home value a year (Census ACS 2024 5-year estimates).