Oconee County, Georgia home prices
Typical home $555,351 · +0.8% in a year · property tax 0.7%
The typical home in Oconee County is worth $555,351, 69% more than the Georgia typical home ($329,115). Values changed +0.8% in the past year and +26.6% over five years. Homeowners here pay a median 0.7% of their home's value in property tax each year ($3,876 on the typical home), versus 0.77% statewide.
Mortgage on the typical Oconee County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $111,070 | $444,281 | $2,989 | $0 | $601 | $3,589 | $153,800 |
| 10% down | $55,535 | $499,816 | $3,362 | $208 | $601 | $4,171 | $178,800 |
| 5% down | $27,768 | $527,584 | $3,549 | $220 | $601 | $4,370 | $187,300 |
| 3.5% down (FHA) | $19,437 | $545,292 | $3,668 | $246 | $601 | $4,515 | $193,500 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.7% 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 Athens metro area.
Georgia counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Forsyth County | $599,870 | -2.4% | 0.73% |
| Fannin County | $496,269 | +2.4% | 0.33% |
| Fayette County | $491,245 | +0.1% | 0.75% |
| Greene County | $634,869 | +2.9% | 0.61% |
| Cherokee County | $469,096 | -1.2% | 0.69% |
| Morgan County | $454,080 | +2.7% | 0.71% |
| Dawson County | $449,830 | -0.4% | 0.6% |
| Cobb County | $421,940 | -1.8% | 0.67% |
| Fulton County | $414,221 | -1.5% | 0.88% |
| Putnam County | $412,044 | +1.8% | 0.68% |
Frequently asked questions
What is the average home price in Oconee County, GA?
The typical home value in Oconee County is $555,351 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Oconee County?
About $153,800 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Oconee County?
The median effective rate is 0.7% of home value a year (Census ACS 2024 5-year estimates).