Richmond County, Georgia home prices
Typical home $194,252 · +2.4% in a year · property tax 0.84%
The typical home in Richmond County is worth $194,252, 41% less than the Georgia typical home ($329,115). Values changed +2.4% in the past year and +25.9% over five years. Homeowners here pay a median 0.84% of their home's value in property tax each year ($1,641 on the typical home), versus 0.77% statewide.
Mortgage on the typical Richmond County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $38,850 | $155,401 | $1,045 | $0 | $234 | $1,279 | $54,800 |
| 10% down | $19,425 | $174,827 | $1,176 | $73 | $234 | $1,483 | $63,500 |
| 5% down | $9,713 | $184,539 | $1,241 | $77 | $234 | $1,552 | $66,500 |
| 3.5% down (FHA) | $6,799 | $190,733 | $1,283 | $86 | $234 | $1,603 | $68,700 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.84% 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 Augusta metro area.
Georgia counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Tattnall County | $193,995 | +8.2% | 0.9% |
| McDuffie County | $197,177 | +4.0% | 0.82% |
| Glascock County | $190,762 | +5.2% | 1.03% |
| Grady County | $197,927 | +9.2% | 0.91% |
| Muscogee County | $188,877 | +3.2% | 0.86% |
| Screven County | $188,184 | +12.6% | 1.22% |
| Brooks County | $187,434 | +5.5% | 1.14% |
| Berrien County | $185,696 | +2.7% | 0.86% |
| Upson County | $184,998 | +4.4% | 0.85% |
| Schley County | $184,684 | +2.6% | 0.9% |
Frequently asked questions
What is the average home price in Richmond County, GA?
The typical home value in Richmond County is $194,252 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Richmond County?
About $54,800 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Richmond County?
The median effective rate is 0.84% of home value a year (Census ACS 2024 5-year estimates).