Georgia Mortgage Rates & Home Prices (2026)
Median price: $335,000 · Avg. rate: 6.85%
Georgia Market Overview
$335,000
Median Home Price
6.85%
Avg. 30-Yr Rate
0.92%
Property Tax Rate
65.5%
Homeownership Rate
Georgia offers a blend of affordable rural areas and the higher-cost Atlanta metro. The Georgia Dream program provides up to $10,000 in down payment assistance for qualified buyers. Metro Atlanta has seen rapid appreciation, while other regions remain very affordable.
Estimated Monthly Payment
Median home in Georgia (20% down, 30-yr fixed)
$2,153/mo
Principal & Interest$1,756
Property Taxes$257
Home Insurance (est.)$140
Total Monthly (PITI)$2,153
Based on a $335,000 home with 20% down ($268,000 loan) at 6.85%. Does not include PMI, HOA, or other fees.
First-Time Buyer Programs in Georgia
- Georgia Dream Homeownership Program
- PEN + EZ Down Payment Assistance
- CHOICE Down Payment Assistance
Contact your state's Housing Finance Agency for current program availability and requirements.
Rate Comparison: GA Rates
30-Year Fixed6.85%
15-Year Fixed6.08%
5/1 ARM (est.)6.10%
FHA 30-Year6.70%
VA 30-Year6.60%
Rates are estimates based on state averages and may vary by lender and borrower qualifications.
Frequently Asked Questions
Key Stats: GA
FHA Loan Limit$472,030
Median Income$71,355
Cost Index0.95x