Stephens County, Georgia home prices
Typical home $236,115 · +2.5% in a year · property tax 0.81%
The typical home in Stephens County is worth $236,115, 28% less than the Georgia typical home ($329,115). Values changed +2.5% in the past year and +35.3% over five years. Homeowners here pay a median 0.81% of their home's value in property tax each year ($1,918 on the typical home), versus 0.77% statewide.
Mortgage on the typical Stephens County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $47,223 | $188,892 | $1,271 | $0 | $278 | $1,549 | $66,400 |
| 10% down | $23,612 | $212,504 | $1,430 | $89 | $278 | $1,796 | $77,000 |
| 5% down | $11,806 | $224,309 | $1,509 | $93 | $278 | $1,880 | $80,600 |
| 3.5% down (FHA) | $8,264 | $231,839 | $1,560 | $104 | $278 | $1,942 | $83,200 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.81% 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 Toccoa metro area.
Georgia counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Troup County | $234,932 | +2.1% | 0.93% |
| Peach County | $234,387 | +3.8% | 1.02% |
| Floyd County | $232,904 | +1.5% | 0.85% |
| Baldwin County | $231,908 | +1.0% | 0.7% |
| Spalding County | $231,254 | -2.0% | 0.94% |
| Walker County | $241,479 | +1.4% | 0.75% |
| Murray County | $241,962 | +1.7% | 0.68% |
| Lowndes County | $229,148 | +3.6% | 0.81% |
| Clayton County | $228,970 | -3.7% | 0.87% |
| Whitfield County | $245,954 | -0.5% | 0.64% |
Frequently asked questions
What is the average home price in Stephens County, GA?
The typical home value in Stephens County is $236,115 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Stephens County?
About $66,400 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Stephens County?
The median effective rate is 0.81% of home value a year (Census ACS 2024 5-year estimates).