Jefferson, GA home prices
Typical home $400,743 · -0.5% in a year · income needed $113,500
The Jefferson, GA metro area ranks 152 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed -0.5% in a year and +25.2% over five years. With 20% down at 7.11%, the typical home costs about $2,647 a month including 0.87% property tax (Jackson County rate).
Mortgage on the typical Jefferson home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $80,149 | $320,594 | $2,157 | $0 | $491 | $2,647 | $113,500 |
| 10% down | $40,074 | $360,668 | $2,426 | $150 | $491 | $3,067 | $131,500 |
| 5% down | $20,037 | $380,705 | $2,561 | $159 | $491 | $3,210 | $137,600 |
| 3.5% down (FHA) | $14,026 | $393,484 | $2,647 | $177 | $491 | $3,315 | $142,100 |
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 Jefferson area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Jackson County, GA | $400,788 | -0.5% | 0.87% |
What can you afford in Georgia on your salary? · Georgia home prices · Salaries in Georgia
Frequently asked questions
How much is a house in Jefferson?
The typical home in the Jefferson, GA metro area is worth $400,743 (Zillow, September 2026).
What salary do you need to buy a house in Jefferson?
About $113,500 a year for the typical home with 20% down at 7.11%.