Valdosta, GA home prices
Typical home $223,809 · +3.9% in a year · income needed $62,900
The Valdosta, GA metro area ranks 554 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +3.9% in a year and +33.0% over five years. With 20% down at 7.11%, the typical home costs about $1,468 a month including 0.81% property tax (Lowndes County rate).
Mortgage on the typical Valdosta home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $44,762 | $179,047 | $1,204 | $0 | $263 | $1,468 | $62,900 |
| 10% down | $22,381 | $201,428 | $1,355 | $84 | $263 | $1,702 | $73,000 |
| 5% down | $11,190 | $212,618 | $1,430 | $89 | $263 | $1,782 | $76,400 |
| 3.5% down (FHA) | $7,833 | $219,755 | $1,478 | $99 | $263 | $1,841 | $78,900 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.81% 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 Valdosta area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Lowndes County, GA | $229,148 | +3.6% | 0.81% |
| Brooks County, GA | $187,434 | +5.5% | 1.14% |
| Lanier County, GA | $217,489 | +4.0% | 1% |
| Echols County, GA | $168,349 | +4.0% | 0.91% |
What can you afford in Georgia on your salary? · Georgia home prices · Salaries in Georgia
Frequently asked questions
How much is a house in Valdosta?
The typical home in the Valdosta, GA metro area is worth $223,809 (Zillow, September 2026).
What salary do you need to buy a house in Valdosta?
About $62,900 a year for the typical home with 20% down at 7.11%.