Georgia (GA) · South Real Estate Profile
Georgia Mortgage Payment & Property Tax Guide
Calculate your exact monthly housing expense in Georgia. In Georgia, the effective statewide property tax rate averages 0.88% and homeowners insurance averages 0.60% of home market value. Explore 25 pre-calculated loan scenarios below.
Effective Property Tax0.88%
Homeowners Insurance0.60%
Median Home Price$325,000
Conforming Loan Limit$766,550
Property Tax Context for Georgia: At 0.88%, a median-priced home of $325,000 pays roughly $2,860 per year in property taxes ($238/month). Millage rates vary across counties and municipalities.
Companion Tax Engine
View Georgia Tax Tables →Check Take-Home Pay Across All 50 States on AfterTaxMath
See exact net salary, state income tax withholding, and FICA deductions for Georgia residents.
Monthly Payment Benchmarks in Georgia (30-Year Fixed at 6.50%%)
Estimated monthly PITI payments assuming 20% down payment and standard 28% DTI underwriting:
| Loan Amount | Est. Home Value | 30-Yr P&I | GA Property Tax | Total PITI/mo | Required Salary | Details |
|---|---|---|---|---|---|---|
| $150,000 | $187,500 | $948/mo | $138/mo | $1,179/mo | $51,000/yr | View schedule → |
| $250,000 | $312,500 | $1,580/mo | $229/mo | $1,966/mo | $84,000/yr | View schedule → |
| $350,000 | $437,500 | $2,212/mo | $321/mo | $2,752/mo | $118,000/yr | View schedule → |
| $450,000 | $562,500 | $2,844/mo | $413/mo | $3,538/mo | $152,000/yr | View schedule → |
| $550,000 | $687,500 | $3,476/mo | $504/mo | $4,324/mo | $185,000/yr | View schedule → |
| $750,000 | $937,500 | $4,741/mo | $688/mo | $5,897/mo | $253,000/yr | View schedule → |
| $1,000,000 | $1,250,000 | $6,321/mo | $917/mo | $7,862/mo | $337,000/yr | View schedule → |
Browse all 25 loan amounts in Georgia
Select any loan principal to view detailed amortization, rate sensitivity, and DTI requirements:
$100k in GA$786/mo$150k in GA$1,179/mo$200k in GA$1,572/mo$250k in GA$1,966/mo$300k in GA$2,359/mo$350k in GA$2,752/mo$400k in GA$3,145/mo$450k in GA$3,538/mo$500k in GA$3,931/mo$550k in GA$4,324/mo$600k in GA$4,717/mo$650k in GA$5,111/mo$700k in GA$5,504/mo$750k in GA$5,897/mo$800k in GA$6,290/mo$850k in GA$6,683/mo$900k in GA$7,076/mo$950k in GA$7,469/mo$1 million in GA$7,862/mo$1.1 million in GA$8,649/mo$1.2 million in GA$9,435/mo$1.3 million in GA$10,221/mo$1.4 million in GA$11,007/mo$1.5 million in GA$11,794/mo$2 million in GA$15,725/mo
Explore neighboring South states
Compare mortgage payment benchmarks and property taxes across neighboring South jurisdictions:
Alabama (0.40% tax)View guide →Arkansas (0.62% tax)View guide →District of Columbia (0.57% tax)View guide →Florida (0.86% tax)View guide →Kentucky (0.83% tax)View guide →Louisiana (0.56% tax)View guide →
Closing Costs & Transfer Tax in Georgia
Real estate transfer tax is $1.00 for first $1,000 plus $0.10 per additional $100; intangible mortgage tax is $3.00 per $1,000.