Calculate your monthly mortgage payment in Georgia. Pre-filled with Georgia's median home price of $330,000 and an average property tax rate of 0.92%.
Est. Monthly Payment
$2,333
Principal & Interest
$1,942
Property Tax / mo
$253
Total Interest Paid
$402,176
| Home Price | $330,000 | Median home price in Georgia (2025) |
| Down Payment | 10% ($33,000) | Typical down payment percentage |
| Loan Amount | $297,000 | Home price minus down payment |
| Interest Rate | 6.83% | Approximate 30-year fixed rate (2025 avg) |
| Loan Term | 30 years | Most common mortgage term |
| Property Tax | 0.92% / year | Georgia average effective rate |
| Home Insurance | 0.5% / year | Approximate annual premium |
Georgia Dream, Georgia Dream Peach Plus
Cost of living: Moderate · Population: 10,711,908
Georgia has a median home price of approximately $330,000, placing it below the national median. With a 10% down payment of $33,000, a typical buyer would finance $297,000 over 30 years. At a 6.83% fixed rate, the monthly principal and interest payment comes to $1,942.
Property taxes in Georgia average 0.92% of the assessed home value annually — one of the moderate rates in the country. Combined with an estimated $138 for homeowners insurance, your all-in monthly housing cost is approximately $2,333.
Using the 28% housing cost guideline, you would need a gross annual income of approximately $99,992 to qualify comfortably. The median household income in Georgia is $61,224.
