Oglethorpe County, Georgia home prices
Typical home $314,809 · +3.9% in a year · property tax 0.75%
The typical home in Oglethorpe County is worth $314,809, 4% less than the Georgia typical home ($329,115). Values changed +3.9% in the past year and +37.5% over five years. Homeowners here pay a median 0.75% of their home's value in property tax each year ($2,356 on the typical home), versus 0.77% statewide.
Mortgage on the typical Oglethorpe County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $62,962 | $251,847 | $1,694 | $0 | $354 | $2,048 | $87,800 |
| 10% down | $31,481 | $283,328 | $1,906 | $118 | $354 | $2,378 | $101,900 |
| 5% down | $15,740 | $299,068 | $2,012 | $125 | $354 | $2,490 | $106,700 |
| 3.5% down (FHA) | $11,018 | $309,107 | $2,079 | $139 | $354 | $2,572 | $110,200 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.75% 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 |
|---|---|---|---|
| White County | $319,293 | +1.6% | 0.65% |
| Hart County | $310,321 | +1.4% | 0.56% |
| Henry County | $319,772 | -2.3% | 0.87% |
| Habersham County | $321,659 | +1.9% | 0.59% |
| Jasper County | $323,091 | +4.1% | 0.8% |
| Madison County | $323,306 | +3.2% | 0.76% |
| Bartow County | $324,008 | +1.0% | 0.7% |
| Camden County | $305,322 | +0.2% | 0.88% |
| Douglas County | $300,429 | -2.8% | 0.75% |
| Rockdale County | $299,033 | -1.4% | 0.71% |
Frequently asked questions
What is the average home price in Oglethorpe County, GA?
The typical home value in Oglethorpe County is $314,809 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Oglethorpe County?
About $87,800 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Oglethorpe County?
The median effective rate is 0.75% of home value a year (Census ACS 2024 5-year estimates).