Georgia Mortgage Calculator (2026)

Rates as of Oct 22 2026 · county tax data: ACS 2020–2024, released 2026-01-29

Statewide avg. effective tax rate
0.77%
Median home value
$459,000
Home insurance (est.)
$2,200/yr

Estimated PITI at the Georgia median home price of $459,000, 20% down, 30-year fixed at 7.32%: $3,042/mo. The tax line uses Fulton County (Atlanta)'s effective rate of 0.88% and insurance of $2,200/yr — the calculator's default county. Buyer's transfer tax: usually paid by seller (0.1%).

Payment calculator

Loan type
$
%
$91,800 cash
%
30-yr fixed base 7.32% · credit adj +0.00% → 7.32% · PMMS Oct 22 2026
Loan term
Credit score
sets local tax & insurance
Picking a county updates the local property tax rate and insurance estimate — your home price stays as entered.
Advanced — HOA & extra payments
$
$
Estimated monthly payment
$3,042.34/mo
$3,042/mo
Principal & interest$2,522.41
Property tax$336.60
Home insurance$183.33
Covers principal & interest, property tax, insurance and mortgage insurance (when it applies). HOA counts only if entered above — left blank it is $0.
Loan amount$367,200
Down payment$91,800
LTV80%
Total interest$540,867
Payoff date…
Cash to close (estimate)
Down payment$91,800
Closing costs (2%–5%)$9,180 – $22,950
Est. cash needed$100,980 – $114,750
Transfer tax: 0.1%usually paid by seller
Georgia puts the transfer tax on the seller, so it isn't part of your cash to close.
Using Fulton County (Atlanta) effective rate 0.88% · insurance $2,200/yr
Amortization
Year 12
Principal paid
$64,863
Interest paid
$298,364
Still owed
$302,337
$600k$450k$300k$150k$0
08152330

All three lines are running totals since the loan started — not a breakdown of the monthly payment.

What local costs matter in Georgia?

Effective property tax rate ~0.79%, near the U.S. average
State transfer tax of $1.00 per $1,000 of price
Homestead exemptions offer meaningful relief in major cities
Fast-rising Atlanta metro prices are pushing more buyers into jumbos
All 159 Georgia counties — property tax rates
CountyEffective tax rateProperty tax /moInsurance (est.)
Fulton County (Atlanta)0.88%$$337$2,200/yr
DeKalb County0.93%$$356$2,100/yr
Gwinnett County0.95%$$363$2,050/yr
Cobb County0.67%$$256$2,000/yr
Chatham County (Savannah)0.84%$$321$2,400/yr
Appling County0.94%$$360$2,200/yr
Atkinson County0.79%$$302$2,200/yr
Bacon County1.13%$$432$2,200/yr
Baker County0.86%$$329$2,200/yr
Baldwin County0.7%$$268$2,200/yr
Banks County0.6%$$230$2,200/yr
Barrow County0.78%$$298$2,200/yr
Show all 159 counties
CountyEffective tax rateProperty tax /moInsurance (est.)
Bartow County0.7%$$268$2,200/yr
Ben Hill County1.07%$$409$2,200/yr
Berrien County0.86%$$329$2,200/yr
Bibb County1.03%$$394$2,200/yr
Bleckley County0.95%$$363$2,200/yr
Brantley County1.19%$$455$2,200/yr
Brooks County1.14%$$436$2,200/yr
Bryan County0.78%$$298$2,200/yr
Bulloch County0.75%$$287$2,200/yr
Burke County0.68%$$260$2,200/yr
Butts County0.82%$$314$2,200/yr
Calhoun County1.11%$$425$2,200/yr
Camden County0.88%$$337$2,200/yr
Candler County1.08%$$413$2,200/yr
Carroll County0.61%$$233$2,200/yr
Catoosa County0.65%$$249$2,200/yr
Charlton County0.76%$$291$2,200/yr
Chattahoochee County0.83%$$317$2,200/yr
Chattooga County0.88%$$337$2,200/yr
Cherokee County0.69%$$264$2,200/yr
Clarke County0.87%$$333$2,200/yr
Clay County0.99%$$379$2,200/yr
Clayton County0.87%$$333$2,200/yr
Clinch County1.3%$$497$2,200/yr
Coffee County0.76%$$291$2,200/yr
Colquitt County0.84%$$321$2,200/yr
Columbia County0.82%$$314$2,200/yr
Cook County0.78%$$298$2,200/yr
Coweta County0.73%$$279$2,200/yr
Crawford County0.87%$$333$2,200/yr
Crisp County1.08%$$413$2,200/yr
Dade County0.57%$$218$2,200/yr
Dawson County0.6%$$230$2,200/yr
Decatur County0.95%$$363$2,200/yr
Dodge County0.87%$$333$2,200/yr
Dooly County1.27%$$486$2,200/yr
Dougherty County1.33%$$509$2,200/yr
Douglas County0.75%$$287$2,200/yr
Early County0.82%$$314$2,200/yr
Echols County0.91%$$348$2,200/yr
Effingham County0.9%$$344$2,200/yr
Elbert County0.91%$$348$2,200/yr
Emanuel County0.93%$$356$2,200/yr
Evans County1.02%$$390$2,200/yr
Fannin County0.33%$$126$2,200/yr
Fayette County0.75%$$287$2,200/yr
Floyd County0.85%$$325$2,200/yr
Forsyth County0.73%$$279$2,200/yr
Franklin County0.72%$$275$2,200/yr
Gilmer County0.35%$$134$2,200/yr
Glascock County1.03%$$394$2,200/yr
Glynn County0.57%$$218$2,200/yr
Gordon County0.69%$$264$2,200/yr
Grady County0.91%$$348$2,200/yr
Greene County0.61%$$233$2,200/yr
Habersham County0.59%$$226$2,200/yr
Hall County0.73%$$279$2,200/yr
Hancock County1.09%$$417$2,200/yr
Haralson County0.8%$$306$2,200/yr
Harris County0.85%$$325$2,200/yr
Hart County0.56%$$214$2,200/yr
Heard County0.56%$$214$2,200/yr
Henry County0.87%$$333$2,200/yr
Houston County0.83%$$317$2,200/yr
Irwin County1.07%$$409$2,200/yr
Jackson County0.87%$$333$2,200/yr
Jasper County0.8%$$306$2,200/yr
Jeff Davis County0.92%$$352$2,200/yr
Jefferson County0.96%$$367$2,200/yr
Jenkins County0.86%$$329$2,200/yr
Johnson County0.94%$$360$2,200/yr
Jones County0.97%$$371$2,200/yr
Lamar County0.86%$$329$2,200/yr
Lanier County1%$$383$2,200/yr
Laurens County0.66%$$252$2,200/yr
Lee County0.97%$$371$2,200/yr
Liberty County1.04%$$398$2,200/yr
Lincoln County0.99%$$379$2,200/yr
Long County0.87%$$333$2,200/yr
Lowndes County0.81%$$310$2,200/yr
Lumpkin County0.65%$$249$2,200/yr
Macon County0.98%$$375$2,200/yr
Madison County0.76%$$291$2,200/yr
Marion County0.71%$$272$2,200/yr
McDuffie County0.82%$$314$2,200/yr
McIntosh County0.8%$$306$2,200/yr
Meriwether County0.86%$$329$2,200/yr
Miller County1.29%$$493$2,200/yr
Mitchell County1.32%$$505$2,200/yr
Monroe County0.7%$$268$2,200/yr
Montgomery County1.04%$$398$2,200/yr
Morgan County0.71%$$272$2,200/yr
Murray County0.68%$$260$2,200/yr
Muscogee County0.86%$$329$2,200/yr
Newton County0.89%$$340$2,200/yr
Oconee County0.7%$$268$2,200/yr
Oglethorpe County0.75%$$287$2,200/yr
Paulding County0.8%$$306$2,200/yr
Peach County1.02%$$390$2,200/yr
Pickens County0.6%$$230$2,200/yr
Pierce County0.83%$$317$2,200/yr
Pike County0.87%$$333$2,200/yr
Polk County0.75%$$287$2,200/yr
Pulaski County0.93%$$356$2,200/yr
Putnam County0.68%$$260$2,200/yr
Quitman County——$2,200/yr
Rabun County0.56%$$214$2,200/yr
Randolph County1.07%$$409$2,200/yr
Richmond County0.84%$$321$2,200/yr
Rockdale County0.71%$$272$2,200/yr
Schley County0.9%$$344$2,200/yr
Screven County1.22%$$467$2,200/yr
Seminole County1.22%$$467$2,200/yr
Spalding County0.94%$$360$2,200/yr
Stephens County0.81%$$310$2,200/yr
Stewart County1.53%$$585$2,200/yr
Sumter County1.25%$$478$2,200/yr
Talbot County1.16%$$444$2,200/yr
Taliaferro County1.31%$$501$2,200/yr
Tattnall County0.9%$$344$2,200/yr
Taylor County0.96%$$367$2,200/yr
Telfair County1.12%$$428$2,200/yr
Terrell County1.04%$$398$2,200/yr
Thomas County0.78%$$298$2,200/yr
Tift County0.86%$$329$2,200/yr
Toombs County0.9%$$344$2,200/yr
Towns County0.34%$$130$2,200/yr
Treutlen County0.71%$$272$2,200/yr
Troup County0.93%$$356$2,200/yr
Turner County1.05%$$402$2,200/yr
Twiggs County0.73%$$279$2,200/yr
Union County0.52%$$199$2,200/yr
Upson County0.85%$$325$2,200/yr
Walker County0.75%$$287$2,200/yr
Walton County0.75%$$287$2,200/yr
Ware County0.96%$$367$2,200/yr
Warren County1.09%$$417$2,200/yr
Washington County1%$$383$2,200/yr
Wayne County0.78%$$298$2,200/yr
Webster County1.12%$$428$2,200/yr
Wheeler County0.63%$$241$2,200/yr
White County0.65%$$249$2,200/yr
Whitfield County0.64%$$245$2,200/yr
Wilcox County0.91%$$348$2,200/yr
Wilkes County1.05%$$402$2,200/yr
Wilkinson County0.9%$$344$2,200/yr
Worth County1.13%$$432$2,200/yr
Georgia state average0.77%$$295$2,200/yr
Monthly tax is estimated on a $459,000 home — the price in the calculator above. Effective rates — U.S. Census Bureau, ACS 2024 (5-yr).

† Rates marked with ≥ are conservative estimates. ACS suppresses median tax values above $10,001 for privacy, which makes the calculated rate a lower bound — the true rate is higher in Manhattan, parts of Long Island, northern New Jersey and other high-cost areas.

How Georgia compares

Georgia's statewide average effective rate is 0.77% — the 27th highest of the 51 covered here (the 50 states and DC), against a median of 0.8%. On the $459,000 home the calculator starts with, that is about $295 a month in property tax before any other cost. Property taxes by state ranks all 51 with median bills attached.

A state average hides the part that changes the bill. The county rows above run from 0.33% in Fannin County to 1.53% in Stewart County — roughly $459 a month apart on the same $459,000 home. That is why the county picker moves the payment more than the state picker does.

Insurance is the other line that follows the address: this page prices $2,200 a year as a state-level estimate, and home insurance by state covers how premiums are set and where they run highest. Below 20% down, PMI adds a third variable until the balance is back to 80% of the value.

The states nearest Georgia in the ranking are Oklahoma (0.8%) and Florida (0.76%).

Georgia mortgage FAQ

How much down payment do I need to buy a house in Georgia?

Conventional loans start at 3% down, but anything under 20% requires PMI until you reach 20% equity — PMI auto-cancels at 78% of the original home value under the Homeowners Protection Act. FHA loans start at 3.5% down, and VA / USDA loans offer 0% down for eligible borrowers. Those are the national minimums: a lender can set a higher floor for this state or for a given loan size.

Why do property taxes vary so much within Georgia?

Property taxes are layered by county, city and school district, so the effective rate differs block by block. The Georgia state average is about 0.77%, but counties in our table above range widely — always confirm the exact bill with the local County Assessor.

When does PMI go away?

Under the Homeowners Protection Act (1998) you can request PMI removal at 80% LTV, and lenders must automatically cancel it when the balance reaches 78% of the original home value. This calculator estimates that month for you and shows the lower payment after PMI drops.

Does this calculator include home insurance for Georgia?

Yes. The calculator pre-fills a typical Georgia premium of about $2,200 per year and updates it when you switch counties. Coastal hurricane exposure plus inland severe thunderstorms and tornadoes; flood damage requires a separate flood policy. Get real quotes before budgeting.

More free mortgage tools

affordability calculator — how much house can I afford →refinance calculator — break-even & savings →closing cost calculator — cash to close by state →
Sources

Freddie MacU.S. Census BureauFannie MaeU.S. Department of Housing and Urban Development (HUD)U.S. Department of Veterans AffairsPrivate mortgage insurersNAICState statutes and departments of revenue

Results are estimates for planning only and are not a loan approval. Property tax rates and insurance premiums vary by county, ZIP code, home age and coverage — confirm with the local County Assessor and insurer quotes. Rate default: Freddie Mac PMMS 30-yr fixed (7.32%, Oct 22 2026); the 20-yr default is an estimate derived from the PMMS 30-yr/15-yr spread (PMMS has no 20-yr series). Conventional credit pricing adds Fannie Mae loan-level price adjustments (effective 2026-10-01) on top of that base, anchored at the 740–759 tier, and PMI comes off a credit × LTV rate card — both are central estimates, not quotes. Loan minimums shown here are the national programs' floor; a lender may set a higher down payment, rate or fee for this state or this loan.