Thomaston, GA home prices
Typical home $185,001 · +4.3% in a year · income needed $52,200
The Thomaston, GA metro area ranks 701 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +4.3% in a year and +46.2% over five years. With 20% down at 7.11%, the typical home costs about $1,219 a month including 0.85% property tax (Upson County rate).
Mortgage on the typical Thomaston home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $37,000 | $148,001 | $996 | $0 | $223 | $1,219 | $52,200 |
| 10% down | $18,500 | $166,501 | $1,120 | $69 | $223 | $1,413 | $60,600 |
| 5% down | $9,250 | $175,751 | $1,182 | $73 | $223 | $1,479 | $63,400 |
| 3.5% down (FHA) | $6,475 | $181,650 | $1,222 | $82 | $223 | $1,527 | $65,500 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.85% 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 Thomaston area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Upson County, GA | $184,998 | +4.4% | 0.85% |
What can you afford in Georgia on your salary? · Georgia home prices · Salaries in Georgia
Frequently asked questions
How much is a house in Thomaston?
The typical home in the Thomaston, GA metro area is worth $185,001 (Zillow, September 2026).
What salary do you need to buy a house in Thomaston?
About $52,200 a year for the typical home with 20% down at 7.11%.