Georgia Housing & Mortgage Data 2026
| Factor | Georgia Data |
|---|---|
| Average Property Tax Rate | 0.92% of assessed value/year |
| Property Tax on $400k Home | ~$3,680/year ($307/mo) |
| 30-Year Fixed Rate (2026 avg) | ~6.65% (varies by lender + credit) |
| State Income Tax | 5.49% |
| Sales Tax Rate | 4%+ |
Monthly Payment Estimate: Georgia
| Home Price | 20% Down | P&I (6.5%) | + Georgia Tax/mo | Total PITI est. |
|---|---|---|---|---|
| $300,000 | $60k | $1,517 | ~$230 | ~$1,860 |
| $400,000 | $80k | $2,025 | ~$307 | ~$2,482 |
| $500,000 | $100k | $2,528 | ~$383 | ~$3,099 |
| $600,000 | $120k | $3,034 | ~$460 | ~$3,719 |
| $750,000 | $150k | $3,791 | ~$575 | ~$4,647 |
P&I = Principal & Interest at 6.5% rate, 30-year fixed. PITI adds estimated Georgia property tax + homeowners insurance (~0.45% annually). PMI not included (assumes 20% down).
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Use the Free Calculator →Frequently Asked Questions
What is the property tax rate in Georgia?
Georgia's average effective property tax rate is 0.92% annually. On a $400,000 home, that's approximately $3,680/year or $307/month in taxes.
Is Georgia expensive to buy a home in?
Georgia's property tax rate of 0.92% is near the national average in the US. Property taxes are a manageable portion of your total housing cost.
Related: PITI Calculator · PMI Calculator · Refinance Calculator