Thomas County, Georgia home prices
Typical home $224,733 · +4.0% in a year · property tax 0.78%
The typical home in Thomas County is worth $224,733, 32% less than the Georgia typical home ($329,115). Values changed +4.0% in the past year and +28.4% over five years. Homeowners here pay a median 0.78% of their home's value in property tax each year ($1,758 on the typical home), versus 0.77% statewide.
Mortgage on the typical Thomas County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $44,947 | $179,787 | $1,209 | $0 | $259 | $1,468 | $62,900 |
| 10% down | $22,473 | $202,260 | $1,361 | $84 | $259 | $1,704 | $73,000 |
| 5% down | $11,237 | $213,497 | $1,436 | $89 | $259 | $1,784 | $76,500 |
| 3.5% down (FHA) | $7,866 | $220,663 | $1,484 | $99 | $259 | $1,843 | $79,000 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.78% 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 Thomasville metro area.
Georgia counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Polk County | $221,632 | +3.0% | 0.75% |
| Candler County | $221,592 | +7.1% | 1.08% |
| 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% |
| Lanier County | $217,489 | +4.0% | 1% |
| Floyd County | $232,904 | +1.5% | 0.85% |
| Meriwether County | $215,610 | +4.4% | 0.86% |
| Peach County | $234,387 | +3.8% | 1.02% |
Frequently asked questions
What is the average home price in Thomas County, GA?
The typical home value in Thomas County is $224,733 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Thomas County?
About $62,900 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Thomas County?
The median effective rate is 0.78% of home value a year (Census ACS 2024 5-year estimates).