Augusta, GA home prices
Typical home $250,497 · +2.9% in a year · income needed $70,700
The Augusta, GA metro area ranks 452 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +2.9% in a year and +24.2% over five years. With 20% down at 7.11%, the typical home costs about $1,650 a month including 0.84% property tax (Richmond County rate).
Mortgage on the typical Augusta home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $50,099 | $200,398 | $1,348 | $0 | $302 | $1,650 | $70,700 |
| 10% down | $25,050 | $225,447 | $1,517 | $94 | $302 | $1,912 | $81,900 |
| 5% down | $12,525 | $237,972 | $1,601 | $99 | $302 | $2,002 | $85,800 |
| 3.5% down (FHA) | $8,767 | $245,960 | $1,655 | $111 | $302 | $2,067 | $88,600 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.84% 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 Augusta area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Richmond County, GA | $194,252 | +2.4% | 0.84% |
| Aiken County, SC | $243,437 | +3.2% | 0.41% |
| Columbia County, GA | $331,924 | +1.7% | 0.82% |
| Edgefield County, SC | $277,600 | +1.5% | 0.43% |
| Burke County, GA | $175,149 | +8.0% | 0.68% |
| McDuffie County, GA | $197,177 | +4.0% | 0.82% |
| Lincoln County, GA | $258,826 | +6.7% | 0.99% |
What can you afford in Georgia on your salary? · Georgia home prices · Salaries in Georgia
Frequently asked questions
How much is a house in Augusta?
The typical home in the Augusta, GA metro area is worth $250,497 (Zillow, September 2026).
What salary do you need to buy a house in Augusta?
About $70,700 a year for the typical home with 20% down at 7.11%.