Americus, GA home prices
Typical home $142,700 · +6.0% in a year · income needed $42,300
The Americus, GA metro area ranks 831 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +6.0% in a year and +27.8% over five years. With 20% down at 7.11%, the typical home costs about $988 a month including 1.25% property tax (Sumter County rate).
Mortgage on the typical Americus home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $28,540 | $114,160 | $768 | $0 | $220 | $988 | $42,300 |
| 10% down | $14,270 | $128,430 | $864 | $54 | $220 | $1,137 | $48,700 |
| 5% down | $7,135 | $135,565 | $912 | $56 | $220 | $1,188 | $50,900 |
| 3.5% down (FHA) | $4,995 | $140,116 | $943 | $63 | $220 | $1,226 | $52,500 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.25% 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.
Counties in the Americus area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Sumter County, GA | $135,846 | +7.0% | 1.25% |
| Schley County, GA | $184,684 | +2.6% | 0.9% |
What can you afford in Georgia on your salary? · Georgia home prices · Salaries in Georgia
Frequently asked questions
How much is a house in Americus?
The typical home in the Americus, GA metro area is worth $142,700 (Zillow, September 2026).
What salary do you need to buy a house in Americus?
About $42,300 a year for the typical home with 20% down at 7.11%.