Vidalia, GA home prices
Typical home $171,554 · +2.5% in a year · income needed $48,800
The Vidalia, GA metro area ranks 755 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +2.5% in a year and +25.7% over five years. With 20% down at 7.11%, the typical home costs about $1,138 a month including 0.9% property tax (Toombs County rate).
Mortgage on the typical Vidalia home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $34,311 | $137,243 | $923 | $0 | $215 | $1,138 | $48,800 |
| 10% down | $17,155 | $154,399 | $1,039 | $64 | $215 | $1,318 | $56,500 |
| 5% down | $8,578 | $162,976 | $1,096 | $68 | $215 | $1,379 | $59,100 |
| 3.5% down (FHA) | $6,004 | $168,447 | $1,133 | $76 | $215 | $1,424 | $61,000 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.9% 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 Vidalia area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Toombs County, GA | $171,022 | +1.6% | 0.9% |
| Montgomery County, GA | $173,631 | +5.9% | 1.04% |
What can you afford in Georgia on your salary? · Georgia home prices · Salaries in Georgia
Frequently asked questions
How much is a house in Vidalia?
The typical home in the Vidalia, GA metro area is worth $171,554 (Zillow, September 2026).
What salary do you need to buy a house in Vidalia?
About $48,800 a year for the typical home with 20% down at 7.11%.