Polk County, Georgia home prices
Typical home $221,632 · +3.0% in a year · property tax 0.75%
The typical home in Polk County is worth $221,632, 33% less than the Georgia typical home ($329,115). Values changed +3.0% in the past year and +33.5% over five years. Homeowners here pay a median 0.75% of their home's value in property tax each year ($1,669 on the typical home), versus 0.77% statewide.
Mortgage on the typical Polk County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $44,326 | $177,305 | $1,193 | $0 | $250 | $1,443 | $61,800 |
| 10% down | $22,163 | $199,469 | $1,342 | $83 | $250 | $1,675 | $71,800 |
| 5% down | $11,082 | $210,550 | $1,416 | $88 | $250 | $1,754 | $75,200 |
| 3.5% down (FHA) | $7,757 | $217,618 | $1,464 | $98 | $250 | $1,812 | $77,700 |
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 Cedartown metro area.
Georgia counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Candler County | $221,592 | +7.1% | 1.08% |
| Thomas County | $224,733 | +4.0% | 0.78% |
| Lanier County | $217,489 | +4.0% | 1% |
| Meriwether County | $215,610 | +4.4% | 0.86% |
| Clayton County | $228,970 | -3.7% | 0.87% |
| Lowndes County | $229,148 | +3.6% | 0.81% |
| Spalding County | $231,254 | -2.0% | 0.94% |
| Baldwin County | $231,908 | +1.0% | 0.7% |
| Floyd County | $232,904 | +1.5% | 0.85% |
| Hancock County | $209,661 | +1.0% | 1.09% |
Frequently asked questions
What is the average home price in Polk County, GA?
The typical home value in Polk County is $221,632 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Polk County?
About $61,800 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Polk County?
The median effective rate is 0.75% of home value a year (Census ACS 2024 5-year estimates).