Spalding County, Georgia home prices
Typical home $231,254 · -2.0% in a year · property tax 0.94%
The typical home in Spalding County is worth $231,254, 30% less than the Georgia typical home ($329,115). Values changed -2.0% in the past year and +22.3% over five years. Homeowners here pay a median 0.94% of their home's value in property tax each year ($2,166 on the typical home), versus 0.77% statewide.
Mortgage on the typical Spalding County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $46,251 | $185,003 | $1,245 | $0 | $296 | $1,541 | $66,000 |
| 10% down | $23,125 | $208,128 | $1,400 | $87 | $296 | $1,783 | $76,400 |
| 5% down | $11,563 | $219,691 | $1,478 | $92 | $296 | $1,866 | $80,000 |
| 3.5% down (FHA) | $8,094 | $227,065 | $1,527 | $102 | $296 | $1,926 | $82,500 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.94% 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 Atlanta metro area.
Georgia counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Baldwin County | $231,908 | +1.0% | 0.7% |
| Floyd County | $232,904 | +1.5% | 0.85% |
| Lowndes County | $229,148 | +3.6% | 0.81% |
| Clayton County | $228,970 | -3.7% | 0.87% |
| Peach County | $234,387 | +3.8% | 1.02% |
| Troup County | $234,932 | +2.1% | 0.93% |
| Stephens County | $236,115 | +2.5% | 0.81% |
| Thomas County | $224,733 | +4.0% | 0.78% |
| Polk County | $221,632 | +3.0% | 0.75% |
| Candler County | $221,592 | +7.1% | 1.08% |
Frequently asked questions
What is the average home price in Spalding County, GA?
The typical home value in Spalding County is $231,254 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Spalding County?
About $66,000 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Spalding County?
The median effective rate is 0.94% of home value a year (Census ACS 2024 5-year estimates).