Mortgage Rates in Calhoun, Georgia — March 2026
Updated March 2026 | Based on Calhoun market data and regional lending conditions
Calhoun is a growing city in Georgia with a population of 17,457. The current 30-year fixed mortgage rate in Calhoun is 6.68%, which is 0.03% above the national average. With a median home price of $287,000 and a 20% down payment of $57,400, homebuyers can expect a monthly principal and interest payment of approximately $1,479.
Current Mortgage Rates in Calhoun, GA
Below are the current average mortgage rates available in the Calhoun area as of March 2026. Rates vary by lender, credit score, and loan-to-value ratio. Use our free calculator above to see your personalized estimate.
| Loan Type | Rate | National Avg | Difference |
|---|---|---|---|
| 30-Year Fixed | 6.68% | 6.65% | +0.03% |
| 15-Year Fixed | 5.93% | 5.89% | +0.04% |
| 5/1 ARM | 6.21% | 6.15% | +0.06% |
| FHA | 6.47% | 6.25% | +0.22% |
| VA | 6.22% | 6.05% | +0.17% |
| Jumbo | 6.93% | 6.85% | +0.08% |
Calhoun Housing Market Overview
The Calhoun housing market offers relatively affordable housing compared to many major cities. The median household income in Calhoun is $60,100, and the cost of living index is 88.4 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $72,600 to comfortably afford the median-priced home in Calhoun, which exceeds the current median household income.
Monthly Payment Breakdown for Calhoun
Based on the median home price of $287,000 with 20% down ($57,400), here is what you can expect to pay monthly in Calhoun:
15-Year vs. 30-Year Mortgage in Calhoun
Choosing a 15-year mortgage in Calhoun at 5.93% instead of a 30-year at 6.68% would save you $185,220 in total interest over the life of the loan. However, your monthly payment would be $1,929 instead of $1,479 — an increase of $450 per month.
Calculate Your Calhoun Mortgage Payment
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Open Free CalculatorFrequently Asked Questions About Mortgages in Calhoun
What are the current mortgage rates in Calhoun, GA?
As of March 2026, the average 30-year fixed mortgage rate in Calhoun, Georgia is 6.68%, while the 15-year fixed rate is 5.93%. FHA loans average 6.47% and VA loans 6.22%. These rates are 0.03% above the national average of 6.65%.
How much is a monthly mortgage payment in Calhoun?
Based on the median home price of $287,000 with 20% down, the estimated monthly mortgage payment in Calhoun is $1,479 for principal and interest. Including property taxes of $215/month, the total monthly housing cost is approximately $1,694.
What income do I need to buy a home in Calhoun?
Using the 28% rule, you would need an annual income of approximately $72,600 to afford the median-priced home in Calhoun at $287,000. The median household income in Calhoun is $60,100. This means most households would need to either earn above the median or consider homes below $287,000.
Is Calhoun a good place to buy a home in 2026?
Calhoun offers a below-average cost of living with a cost of living index of 88.4 (national average = 100). The property tax rate in Georgia is 0.9%, which is near the national average. Calhoun has a population of 17,457 and offers a very affordable lifestyle.
Mortgage Rates in Other Georgia Cities
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Calhoun, Georgia area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.