Athens, GA home prices
Typical home $367,438 · +1.8% in a year · income needed $104,100
The Athens, GA metro area ranks 198 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +1.8% in a year and +29.9% over five years. With 20% down at 7.11%, the typical home costs about $2,429 a month including 0.87% property tax (Clarke County rate).
Mortgage on the typical Athens home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $73,488 | $293,950 | $1,977 | $0 | $451 | $2,429 | $104,100 |
| 10% down | $36,744 | $330,694 | $2,225 | $138 | $451 | $2,813 | $120,600 |
| 5% down | $18,372 | $349,066 | $2,348 | $145 | $451 | $2,945 | $126,200 |
| 3.5% down (FHA) | $12,860 | $360,783 | $2,427 | $163 | $451 | $3,041 | $130,300 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.87% 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 Athens area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Clarke County, GA | $331,786 | +1.7% | 0.87% |
| Oconee County, GA | $555,351 | +0.8% | 0.7% |
| Madison County, GA | $323,306 | +3.2% | 0.76% |
| Oglethorpe County, GA | $314,809 | +3.9% | 0.75% |
What can you afford in Georgia on your salary? · Georgia home prices · Salaries in Georgia
Frequently asked questions
How much is a house in Athens?
The typical home in the Athens, GA metro area is worth $367,438 (Zillow, September 2026).
What salary do you need to buy a house in Athens?
About $104,100 a year for the typical home with 20% down at 7.11%.