What is the average mortgage rate in Georgia in 2026?
Around 7.46% as of October 19, 2026, in line with national average.
Best Mortgage Rates Georgia 2026
Georgia has a growing housing market with an average home value of $328,277 in 2026, led by demand in Atlanta and surrounding metro areas. The state has a flat income tax rate of 5.19% and a modest real estate transfer tax of approximately 0.10%.
30-year fixed
7.46%
National avg
15-year fixed
6.82%
National avg
5/1 ARM
6.82%
National avg
| Product | Rate (APR) |
|---|---|
| 30-year fixed (national avg) | 7.46% |
| 15-year fixed (national avg) | 6.82% |
| 5/1 ARM (national avg) | 6.82% |
Rates verified Oct 21, 2026
Rates shown are national benchmark averages from the site data file, not live quotes from lenders. Confirm pricing with banks and brokers in Georgia. Not financial advice.
Georgia at a glance
- Average home price: $328,277
- State income tax: Yes (5.19% flat rate)
- Land transfer tax: Yes (approximately 0.10% — $1 per $1,000 of sale price)
- Typical monthly payment: $1,829/mo on $328,277 with 20% down, 30-year term, at 7.46% — excludes taxes, insurance, and HOA.
Frequently Asked Questions
Does Georgia have a real estate transfer tax?
Yes — approximately 0.10% of the sale price, charged at closing.
What is the average home price in Georgia in 2026?
$328,277 — near the national median, with Atlanta significantly higher.
How much do I need to earn to afford a home in Georgia?
To afford $328,277 with 20% down at 7.46%, you need approximately $75,000–$80,000 annual income.
Georgia mortgage calculator · Educational reference only. Not financial or lending advice.