Towns County, Georgia home prices
Typical home $397,867 · +0.5% in a year · property tax 0.34%
The typical home in Towns County is worth $397,867, 21% more than the Georgia typical home ($329,115). Values changed +0.5% in the past year and +22.2% over five years. Homeowners here pay a median 0.34% of their home's value in property tax each year ($1,364 on the typical home), versus 0.77% statewide.
Mortgage on the typical Towns County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $79,573 | $318,293 | $2,141 | $0 | $313 | $2,454 | $105,200 |
| 10% down | $39,787 | $358,080 | $2,409 | $149 | $313 | $2,871 | $123,000 |
| 5% down | $19,893 | $377,973 | $2,543 | $157 | $313 | $3,013 | $129,100 |
| 3.5% down (FHA) | $13,925 | $390,660 | $2,628 | $176 | $313 | $3,117 | $133,600 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.34% 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 |
|---|---|---|---|
| Bryan County | $397,396 | -1.2% | 0.78% |
| Jackson County | $400,788 | -0.5% | 0.87% |
| Gwinnett County | $400,880 | -2.5% | 0.95% |
| Rabun County | $402,742 | +1.1% | 0.56% |
| Pickens County | $392,212 | +1.5% | 0.6% |
| Coweta County | $391,150 | -0.6% | 0.73% |
| Lumpkin County | $387,346 | +1.0% | 0.65% |
| Walton County | $386,487 | +0.1% | 0.75% |
| Hall County | $385,567 | -1.3% | 0.73% |
| Gilmer County | $411,163 | -0.6% | 0.35% |
Frequently asked questions
What is the average home price in Towns County, GA?
The typical home value in Towns County is $397,867 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Towns County?
About $105,200 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Towns County?
The median effective rate is 0.34% of home value a year (Census ACS 2024 5-year estimates).