Morgan County, Georgia home prices
Typical home $454,080 · +2.7% in a year · property tax 0.71%
The typical home in Morgan County is worth $454,080, 38% more than the Georgia typical home ($329,115). Values changed +2.7% in the past year and +29.1% over five years. Homeowners here pay a median 0.71% of their home's value in property tax each year ($3,217 on the typical home), versus 0.77% statewide.
Mortgage on the typical Morgan County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $90,816 | $363,264 | $2,444 | $0 | $495 | $2,939 | $125,900 |
| 10% down | $45,408 | $408,672 | $2,749 | $170 | $495 | $3,415 | $146,300 |
| 5% down | $22,704 | $431,376 | $2,902 | $180 | $495 | $3,577 | $153,300 |
| 3.5% down (FHA) | $15,893 | $445,855 | $2,999 | $201 | $495 | $3,695 | $158,400 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.71% 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 Atlanta metro area.
Georgia counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Dawson County | $449,830 | -0.4% | 0.6% |
| Cherokee County | $469,096 | -1.2% | 0.69% |
| Cobb County | $421,940 | -1.8% | 0.67% |
| Fayette County | $491,245 | +0.1% | 0.75% |
| Fulton County | $414,221 | -1.5% | 0.88% |
| Putnam County | $412,044 | +1.8% | 0.68% |
| Fannin County | $496,269 | +2.4% | 0.33% |
| Gilmer County | $411,163 | -0.6% | 0.35% |
| Rabun County | $402,742 | +1.1% | 0.56% |
| Gwinnett County | $400,880 | -2.5% | 0.95% |
Frequently asked questions
What is the average home price in Morgan County, GA?
The typical home value in Morgan County is $454,080 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Morgan County?
About $125,900 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Morgan County?
The median effective rate is 0.71% of home value a year (Census ACS 2024 5-year estimates).