Mortgage Rates in East Point, Georgia — March 2026
Updated March 2026 | Based on East Point market data and regional lending conditions
East Point is a growing city in Georgia with a population of 38,358. The current 30-year fixed mortgage rate in East Point is 6.74%, which is 0.09% above the national average. With a median home price of $262,000 and a 20% down payment of $52,400, homebuyers can expect a monthly principal and interest payment of approximately $1,358.
Current Mortgage Rates in East Point, GA
Below are the current average mortgage rates available in the East Point 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 | 6.74% | 6.65% | +0.09% |
| 15-Year Fixed | 5.98% | 5.89% | +0.09% |
| 5/1 ARM | 6.24% | 6.15% | +0.09% |
| FHA | 6.49% | 6.25% | +0.24% |
| VA | 6.24% | 6.05% | +0.19% |
| Jumbo | 6.99% | 6.85% | +0.14% |
East Point Housing Market Overview
The East Point housing market offers relatively affordable housing compared to many major cities. The median household income in East Point is $62,800, and the cost of living index is 92.1 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $66,257 to comfortably afford the median-priced home in East Point, which exceeds the current median household income.
Monthly Payment Breakdown for East Point
Based on the median home price of $262,000 with 20% down ($52,400), here is what you can expect to pay monthly in East Point:
15-Year vs. 30-Year Mortgage in East Point
Choosing a 15-year mortgage in East Point at 5.98% instead of a 30-year at 6.74% would save you $171,000 in total interest over the life of the loan. However, your monthly payment would be $1,766 instead of $1,358 — an increase of $408 per month.
Calculate Your East Point Mortgage Payment
Use our free calculator to get a personalized estimate based on your loan amount, interest rate, and term.
Open Free CalculatorFrequently Asked Questions About Mortgages in East Point
What are the current mortgage rates in East Point, GA?
As of March 2026, the average 30-year fixed mortgage rate in East Point, Georgia is 6.74%, while the 15-year fixed rate is 5.98%. FHA loans average 6.49% and VA loans 6.24%. These rates are 0.09% above the national average of 6.65%.
How much is a monthly mortgage payment in East Point?
Based on the median home price of $262,000 with 20% down, the estimated monthly mortgage payment in East Point is $1,358 for principal and interest. Including property taxes of $188/month, the total monthly housing cost is approximately $1,546.
What income do I need to buy a home in East Point?
Using the 28% rule, you would need an annual income of approximately $66,257 to afford the median-priced home in East Point at $262,000. The median household income in East Point is $62,800. This means most households would need to either earn above the median or consider homes below $262,000.
Is East Point a good place to buy a home in 2026?
East Point offers a below-average cost of living with a cost of living index of 92.1 (national average = 100). The property tax rate in Georgia is 0.86%, which is near the national average. East Point has a population of 38,358 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 East Point, Georgia area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.