Columbus, GA home prices
Typical home $209,756 · +3.8% in a year · income needed $59,300
The Columbus, GA metro area ranks 604 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +3.8% in a year and +29.1% over five years. With 20% down at 7.11%, the typical home costs about $1,383 a month including 0.86% property tax (Muscogee County rate).
Mortgage on the typical Columbus home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $41,951 | $167,805 | $1,129 | $0 | $255 | $1,383 | $59,300 |
| 10% down | $20,976 | $188,781 | $1,270 | $79 | $255 | $1,603 | $68,700 |
| 5% down | $10,488 | $199,268 | $1,340 | $83 | $255 | $1,678 | $71,900 |
| 3.5% down (FHA) | $7,341 | $205,957 | $1,385 | $93 | $255 | $1,733 | $74,300 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.86% 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 Columbus area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Muscogee County, GA | $188,877 | +3.2% | 0.86% |
| Russell County, AL | $197,342 | +4.5% | 0.38% |
| Harris County, GA | $375,897 | +4.5% | 0.85% |
| Chattahoochee County, GA | $139,460 | +7.2% | 0.83% |
| Marion County, GA | $183,035 | +7.3% | 0.71% |
| Talbot County, GA | $181,343 | +2.0% | 1.16% |
| Stewart County, GA | $81,047 | -4.9% | 1.53% |
What can you afford in Georgia on your salary? · Georgia home prices · Salaries in Georgia
Frequently asked questions
How much is a house in Columbus?
The typical home in the Columbus, GA metro area is worth $209,756 (Zillow, September 2026).
What salary do you need to buy a house in Columbus?
About $59,300 a year for the typical home with 20% down at 7.11%.