Waycross, GA home prices
Typical home $164,231 · +4.2% in a year · income needed $47,000
The Waycross, GA metro area ranks 780 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +4.2% in a year and +25.4% over five years. With 20% down at 7.11%, the typical home costs about $1,097 a month including 0.96% property tax (Ware County rate).
Mortgage on the typical Waycross home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $32,846 | $131,384 | $884 | $0 | $213 | $1,097 | $47,000 |
| 10% down | $16,423 | $147,808 | $994 | $62 | $213 | $1,269 | $54,400 |
| 5% down | $8,212 | $156,019 | $1,050 | $65 | $213 | $1,328 | $56,900 |
| 3.5% down (FHA) | $5,748 | $161,256 | $1,085 | $73 | $213 | $1,370 | $58,700 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.96% 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 Waycross area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Ware County, GA | $142,737 | +3.4% | 0.96% |
| Pierce County, GA | $206,752 | +4.8% | 0.83% |
What can you afford in Georgia on your salary? · Georgia home prices · Salaries in Georgia
Frequently asked questions
How much is a house in Waycross?
The typical home in the Waycross, GA metro area is worth $164,231 (Zillow, September 2026).
What salary do you need to buy a house in Waycross?
About $47,000 a year for the typical home with 20% down at 7.11%.