Putnam County, Georgia home prices
Typical home $412,044 · +1.8% in a year · property tax 0.68%
The typical home in Putnam County is worth $412,044, 25% more than the Georgia typical home ($329,115). Values changed +1.8% in the past year and +20.8% over five years. Homeowners here pay a median 0.68% of their home's value in property tax each year ($2,806 on the typical home), versus 0.77% statewide.
Mortgage on the typical Putnam County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $82,409 | $329,635 | $2,217 | $0 | $440 | $2,657 | $113,900 |
| 10% down | $41,204 | $370,839 | $2,495 | $155 | $440 | $3,089 | $132,400 |
| 5% down | $20,602 | $391,441 | $2,633 | $163 | $440 | $3,236 | $138,700 |
| 3.5% down (FHA) | $14,422 | $404,581 | $2,722 | $182 | $440 | $3,344 | $143,300 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.68% 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.
Georgia counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Gilmer County | $411,163 | -0.6% | 0.35% |
| Fulton County | $414,221 | -1.5% | 0.88% |
| Rabun County | $402,742 | +1.1% | 0.56% |
| Cobb County | $421,940 | -1.8% | 0.67% |
| Gwinnett County | $400,880 | -2.5% | 0.95% |
| Jackson County | $400,788 | -0.5% | 0.87% |
| Towns County | $397,867 | +0.5% | 0.34% |
| Bryan County | $397,396 | -1.2% | 0.78% |
| Pickens County | $392,212 | +1.5% | 0.6% |
| Coweta County | $391,150 | -0.6% | 0.73% |
Frequently asked questions
What is the average home price in Putnam County, GA?
The typical home value in Putnam County is $412,044 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Putnam County?
About $113,900 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Putnam County?
The median effective rate is 0.68% of home value a year (Census ACS 2024 5-year estimates).