Gainesville, GA home prices
Typical home $385,576 · -1.3% in a year · income needed $107,300
The Gainesville, GA metro area ranks 170 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed -1.3% in a year and +23.8% over five years. With 20% down at 7.11%, the typical home costs about $2,504 a month including 0.73% property tax (Hall County rate).
Mortgage on the typical Gainesville home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $77,115 | $308,460 | $2,075 | $0 | $429 | $2,504 | $107,300 |
| 10% down | $38,558 | $347,018 | $2,334 | $145 | $429 | $2,908 | $124,600 |
| 5% down | $19,279 | $366,297 | $2,464 | $153 | $429 | $3,045 | $130,500 |
| 3.5% down (FHA) | $13,495 | $378,592 | $2,547 | $171 | $429 | $3,146 | $134,800 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.73% 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 Gainesville area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Hall County, GA | $385,567 | -1.3% | 0.73% |
What can you afford in Georgia on your salary? · Georgia home prices · Salaries in Georgia
Frequently asked questions
How much is a house in Gainesville?
The typical home in the Gainesville, GA metro area is worth $385,576 (Zillow, September 2026).
What salary do you need to buy a house in Gainesville?
About $107,300 a year for the typical home with 20% down at 7.11%.