Georgia home prices and mortgage costs
Typical home value $329,115 · -0.6% in a year · property tax 0.77%
Typical home value
$329,115
Payment (20% down)
$2,148
Income needed
$92,100
Georgia ranks 30th most expensive of 51 states and D.C. Home values changed -0.6% over the past year and +20.9% over five years. Buying the typical home with 20% down costs about $2,148 a month at 7.11%, which needs a household income of about $92,100.
Cost of the typical Georgia home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $65,823 | $263,292 | $1,771 | $0 | $377 | $2,148 | $92,100 |
| 10% down | $32,912 | $296,204 | $1,993 | $123 | $377 | $2,493 | $106,800 |
| 5% down | $16,456 | $312,659 | $2,103 | $130 | $377 | $2,610 | $111,900 |
| 3.5% down (FHA) | $11,519 | $323,154 | $2,174 | $146 | $377 | $2,696 | $115,500 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.77% 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.
Check a specific budget: how much house you can afford in Georgia by salary · payment on a $350K home in Georgia
Home prices by county in Georgia
| County | Typical home | 1-yr change | Tax rate | Payment / month | Income needed |
|---|---|---|---|---|---|
| Greene County | $634,869 | +2.9% | 0.61% | $4,059 | $174,000 |
| Forsyth County | $599,870 | -2.4% | 0.73% | $3,893 | $166,900 |
| Oconee County | $555,351 | +0.8% | 0.7% | $3,589 | $153,800 |
| Fannin County | $496,269 | +2.4% | 0.33% | $3,057 | $131,000 |
| Fayette County | $491,245 | +0.1% | 0.75% | $3,197 | $137,000 |
| Cherokee County | $469,096 | -1.2% | 0.69% | $3,027 | $129,700 |
| Morgan County | $454,080 | +2.7% | 0.71% | $2,939 | $125,900 |
| Dawson County | $449,830 | -0.4% | 0.6% | $2,870 | $123,000 |
| Cobb County | $421,940 | -1.8% | 0.67% | $2,717 | $116,400 |
| Fulton County | $414,221 | -1.5% | 0.88% | $2,740 | $117,400 |
| Putnam County | $412,044 | +1.8% | 0.68% | $2,657 | $113,900 |
| Gilmer County | $411,163 | -0.6% | 0.35% | $2,539 | $108,800 |
| Rabun County | $402,742 | +1.1% | 0.56% | $2,556 | $109,600 |
| Gwinnett County | $400,880 | -2.5% | 0.95% | $2,675 | $114,600 |
| Jackson County | $400,788 | -0.5% | 0.87% | $2,648 | $113,500 |
| Towns County | $397,867 | +0.5% | 0.34% | $2,454 | $105,200 |
| Bryan County | $397,396 | -1.2% | 0.78% | $2,596 | $111,200 |
| Pickens County | $392,212 | +1.5% | 0.6% | $2,502 | $107,200 |
| Coweta County | $391,150 | -0.6% | 0.73% | $2,540 | $108,900 |
| Lumpkin County | $387,346 | +1.0% | 0.65% | $2,487 | $106,600 |
| Walton County | $386,487 | +0.1% | 0.75% | $2,516 | $107,800 |
| Hall County | $385,567 | -1.3% | 0.73% | $2,504 | $107,300 |
| Union County | $382,056 | -0.2% | 0.52% | $2,414 | $103,500 |
| Harris County | $375,897 | +4.5% | 0.85% | $2,478 | $106,200 |
| Pike County | $371,698 | +1.9% | 0.87% | $2,457 | $105,300 |
| Glynn County | $358,085 | +0.8% | 0.57% | $2,275 | $97,500 |
| Barrow County | $349,483 | -1.2% | 0.78% | $2,284 | $97,900 |
| Paulding County | $340,765 | -0.4% | 0.8% | $2,232 | $95,700 |
| Banks County | $338,852 | +0.2% | 0.6% | $2,162 | $92,700 |
| Monroe County | $335,556 | +3.0% | 0.7% | $2,168 | $92,900 |
| Effingham County | $334,444 | -1.7% | 0.9% | $2,219 | $95,100 |
| Dekalb County | $332,528 | -1.8% | 0.93% | $2,212 | $94,800 |
| Chatham County | $332,415 | -3.4% | 0.84% | $2,188 | $93,800 |
| Columbia County | $331,924 | +1.7% | 0.82% | $2,180 | $93,400 |
| Clarke County | $331,786 | +1.7% | 0.87% | $2,193 | $94,000 |
| Bartow County | $324,008 | +1.0% | 0.7% | $2,095 | $89,800 |
| Madison County | $323,306 | +3.2% | 0.76% | $2,107 | $90,300 |
| Jasper County | $323,091 | +4.1% | 0.8% | $2,117 | $90,700 |
| Habersham County | $321,659 | +1.9% | 0.59% | $2,050 | $87,800 |
| Henry County | $319,772 | -2.3% | 0.87% | $2,113 | $90,600 |
| White County | $319,293 | +1.6% | 0.65% | $2,050 | $87,800 |
| Oglethorpe County | $314,809 | +3.9% | 0.75% | $2,048 | $87,800 |
| Hart County | $310,321 | +1.4% | 0.56% | $1,971 | $84,500 |
| Camden County | $305,322 | +0.2% | 0.88% | $2,020 | $86,600 |
| Douglas County | $300,429 | -2.8% | 0.75% | $1,954 | $83,700 |
| Rockdale County | $299,033 | -1.4% | 0.71% | $1,935 | $82,900 |
| Newton County | $292,673 | -0.6% | 0.89% | $1,938 | $83,000 |
| Catoosa County | $290,417 | +0.4% | 0.65% | $1,865 | $79,900 |
| Franklin County | $287,015 | +2.2% | 0.72% | $1,860 | $79,700 |
| Carroll County | $286,340 | +0.3% | 0.61% | $1,831 | $78,500 |
| Lamar County | $284,288 | +4.3% | 0.86% | $1,876 | $80,400 |
| Long County | $281,457 | +2.1% | 0.87% | $1,860 | $79,700 |
| Bulloch County | $276,176 | -0.2% | 0.75% | $1,798 | $77,100 |
| Gordon County | $275,356 | +3.1% | 0.69% | $1,778 | $76,200 |
| McIntosh County | $274,105 | +2.7% | 0.8% | $1,795 | $76,900 |
| Butts County | $274,022 | +0.8% | 0.82% | $1,799 | $77,100 |
| Haralson County | $271,901 | +1.8% | 0.8% | $1,781 | $76,300 |
| Heard County | $269,774 | +3.3% | 0.56% | $1,713 | $73,400 |
| Lee County | $263,302 | +1.9% | 0.97% | $1,762 | $75,500 |
| Lincoln County | $258,826 | +6.7% | 0.99% | $1,736 | $74,400 |
| Houston County | $256,798 | +2.9% | 0.83% | $1,689 | $72,400 |
| Dade County | $252,687 | +1.4% | 0.57% | $1,606 | $68,800 |
| Jones County | $250,794 | +4.0% | 0.97% | $1,677 | $71,900 |
| Liberty County | $247,145 | -0.5% | 1.04% | $1,667 | $71,400 |
| Whitfield County | $245,954 | -0.5% | 0.64% | $1,577 | $67,600 |
| Murray County | $241,962 | +1.7% | 0.68% | $1,560 | $66,800 |
| Walker County | $241,479 | +1.4% | 0.75% | $1,571 | $67,300 |
| Stephens County | $236,115 | +2.5% | 0.81% | $1,549 | $66,400 |
| Troup County | $234,932 | +2.1% | 0.93% | $1,564 | $67,000 |
| Peach County | $234,387 | +3.8% | 1.02% | $1,578 | $67,600 |
| Floyd County | $232,904 | +1.5% | 0.85% | $1,534 | $65,800 |
| Baldwin County | $231,908 | +1.0% | 0.7% | $1,500 | $64,300 |
| Spalding County | $231,254 | -2.0% | 0.94% | $1,541 | $66,000 |
| Lowndes County | $229,148 | +3.6% | 0.81% | $1,503 | $64,400 |
| Clayton County | $228,970 | -3.7% | 0.87% | $1,513 | $64,800 |
| Thomas County | $224,733 | +4.0% | 0.78% | $1,468 | $62,900 |
| Polk County | $221,632 | +3.0% | 0.75% | $1,443 | $61,800 |
| Candler County | $221,592 | +7.1% | 1.08% | $1,503 | $64,400 |
| Lanier County | $217,489 | +4.0% | 1% | $1,460 | $62,600 |
| Meriwether County | $215,610 | +4.4% | 0.86% | $1,422 | $60,900 |
| Hancock County | $209,661 | +1.0% | 1.09% | $1,424 | $61,000 |
| Wayne County | $209,466 | +6.1% | 0.78% | $1,368 | $58,600 |
| Charlton County | $208,451 | +1.4% | 0.76% | $1,358 | $58,200 |
| Pierce County | $206,752 | +4.8% | 0.83% | $1,358 | $58,200 |
| Crawford County | $206,348 | +7.9% | 0.87% | $1,363 | $58,400 |
| Tift County | $206,321 | +3.7% | 0.86% | $1,361 | $58,300 |
| Grady County | $197,927 | +9.2% | 0.91% | $1,314 | $56,300 |
| McDuffie County | $197,177 | +4.0% | 0.82% | $1,294 | $55,500 |
| Richmond County | $194,252 | +2.4% | 0.84% | $1,279 | $54,800 |
| Tattnall County | $193,995 | +8.2% | 0.9% | $1,287 | $55,100 |
| Glascock County | $190,762 | +5.2% | 1.03% | $1,285 | $55,100 |
| Muscogee County | $188,877 | +3.2% | 0.86% | $1,246 | $53,400 |
| Screven County | $188,184 | +12.6% | 1.22% | $1,298 | $55,600 |
| Brooks County | $187,434 | +5.5% | 1.14% | $1,280 | $54,900 |
| Berrien County | $185,696 | +2.7% | 0.86% | $1,225 | $52,500 |
| Upson County | $184,998 | +4.4% | 0.85% | $1,219 | $52,200 |
| Schley County | $184,684 | +2.6% | 0.9% | $1,224 | $52,500 |
| Elbert County | $183,642 | +4.2% | 0.91% | $1,220 | $52,300 |
| Marion County | $183,035 | +7.3% | 0.71% | $1,184 | $50,800 |
| Talbot County | $181,343 | +2.0% | 1.16% | $1,242 | $53,200 |
| Laurens County | $181,297 | +4.3% | 0.66% | $1,166 | $50,000 |
| Evans County | $176,544 | +13.7% | 1.02% | $1,188 | $50,900 |
| Coffee County | $176,005 | +2.8% | 0.76% | $1,146 | $49,100 |
| Burke County | $175,149 | +8.0% | 0.68% | $1,129 | $48,400 |
| Pulaski County | $175,071 | +2.5% | 0.93% | $1,165 | $49,900 |
| Chattooga County | $175,003 | +4.0% | 0.88% | $1,158 | $49,600 |
| Worth County | $174,359 | +9.9% | 1.13% | $1,190 | $51,000 |
| Montgomery County | $173,631 | +5.9% | 1.04% | $1,172 | $50,200 |
| Bleckley County | $173,007 | +8.2% | 0.95% | $1,155 | $49,500 |
| Brantley County | $172,578 | +7.7% | 1.19% | $1,186 | $50,800 |
| Toombs County | $171,022 | +1.6% | 0.9% | $1,134 | $48,600 |
| Bibb County | $170,006 | +2.4% | 1.03% | $1,146 | $49,100 |
| Decatur County | $169,821 | +4.8% | 0.95% | $1,134 | $48,600 |
| Cook County | $168,973 | +6.9% | 0.78% | $1,103 | $47,300 |
| Echols County | $168,349 | +4.0% | 0.91% | $1,118 | $47,900 |
| Colquitt County | $165,756 | +6.3% | 0.84% | $1,090 | $46,700 |
| Wilkes County | $164,586 | +7.0% | 1.05% | $1,112 | $47,700 |
| Clay County | $161,975 | +7.2% | 0.99% | $1,087 | $46,600 |
| Miller County | $159,989 | +5.1% | 1.29% | $1,112 | $47,700 |
| Bacon County | $159,283 | +6.9% | 1.13% | $1,087 | $46,600 |
| Webster County | $159,107 | +8.1% | 1.12% | $1,084 | $46,500 |
| Appling County | $156,534 | +5.7% | 0.94% | $1,043 | $44,700 |
| Dodge County | $155,734 | +14.2% | 0.87% | $1,029 | $44,100 |
| Jenkins County | $155,166 | +0.3% | 0.86% | $1,024 | $43,900 |
| Irwin County | $153,871 | +5.1% | 1.07% | $1,042 | $44,700 |
| Taliaferro County | $152,258 | +12.4% | 1.31% | $1,062 | $45,500 |
| Mitchell County | $151,173 | +1.9% | 1.32% | $1,056 | $45,200 |
| Washington County | $149,824 | +10.0% | 1% | $1,006 | $43,100 |
| Taylor County | $148,508 | +5.1% | 0.96% | $992 | $42,500 |
| Wheeler County | $148,432 | +8.4% | 0.63% | $951 | $40,700 |
| Jeff Davis County | $146,459 | +5.6% | 0.92% | $974 | $41,800 |
| Johnson County | $143,762 | +9.9% | 0.94% | $958 | $41,000 |
| Ware County | $142,737 | +3.4% | 0.96% | $953 | $40,900 |
| Crisp County | $140,028 | +3.7% | 1.08% | $949 | $40,700 |
| Chattahoochee County | $139,460 | +7.2% | 0.83% | $917 | $39,300 |
| Seminole County | $139,011 | +2.1% | 1.22% | $959 | $41,100 |
| Wilkinson County | $137,501 | +3.7% | 0.9% | $912 | $39,100 |
| Sumter County | $135,846 | +7.0% | 1.25% | $940 | $40,300 |
| Emanuel County | $133,341 | +3.7% | 0.93% | $888 | $38,100 |
| Dooly County | $132,202 | +2.1% | 1.27% | $918 | $39,300 |
| Turner County | $131,002 | -2.4% | 1.05% | $886 | $38,000 |
| Wilcox County | $130,443 | +5.0% | 0.91% | $866 | $37,100 |
| Atkinson County | $128,487 | +10.1% | 0.79% | $840 | $36,000 |
| Dougherty County | $126,402 | +2.5% | 1.33% | $883 | $37,800 |
| Treutlen County | $125,938 | +2.2% | 0.71% | $815 | $34,900 |
| Early County | $124,962 | +8.3% | 0.82% | $821 | $35,200 |
| Clinch County | $124,928 | +11.7% | 1.3% | $871 | $37,300 |
| Quitman County | $122,648 | +10.1% | 0.77% | $800 | $34,300 |
| Ben Hill County | $121,152 | -2.0% | 1.07% | $821 | $35,200 |
| Terrell County | $120,540 | +5.2% | 1.04% | $813 | $34,800 |
| Baker County | $118,258 | +2.3% | 0.86% | $780 | $33,400 |
| Jefferson County | $114,572 | -3.6% | 0.96% | $765 | $32,800 |
| Warren County | $112,060 | +7.6% | 1.09% | $761 | $32,600 |
| Telfair County | $111,567 | +1.8% | 1.12% | $760 | $32,600 |
| Macon County | $100,304 | -1.9% | 0.98% | $672 | $28,800 |
| Twiggs County | $99,287 | +0.1% | 0.73% | $644 | $27,600 |
| Randolph County | $95,515 | +6.1% | 1.07% | $647 | $27,700 |
| Calhoun County | $90,157 | -1.5% | 1.11% | $614 | $26,300 |
| Stewart County | $81,047 | -4.9% | 1.53% | $580 | $24,800 |
Metro areas in Georgia
Frequently asked questions
What is the average home price in Georgia?
The typical home in Georgia is worth $329,115 according to the Zillow Home Value Index for September 2026.
How much income do you need to buy a house in Georgia?
About $92,100 a year to buy the typical $329,115 home with 20% down at 7.11%, keeping housing under 28% of income.
What is the property tax rate in Georgia?
The typical effective rate is 0.77% of the home's value a year (median taxes paid divided by median home value, Census ACS 2025).