Mortgage Rates in Holly Springs, Georgia — March 2026
Updated March 2026 | Based on Holly Springs market data and regional lending conditions
Holly Springs is a growing city in Georgia with a population of 15,849. The current 30-year fixed mortgage rate in Holly Springs is 6.79%, which is 0.14% above the national average. With a median home price of $246,000 and a 20% down payment of $49,200, homebuyers can expect a monthly principal and interest payment of approximately $1,282.
Current Mortgage Rates in Holly Springs, GA
Below are the current average mortgage rates available in the Holly Springs 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 | 6.79% | 6.65% | +0.14% |
| 15-Year Fixed | 6.02% | 5.89% | +0.13% |
| 5/1 ARM | 6.27% | 6.15% | +0.12% |
| FHA | 6.52% | 6.25% | +0.27% |
| VA | 6.27% | 6.05% | +0.22% |
| Jumbo | 7.04% | 6.85% | +0.19% |
Holly Springs Housing Market Overview
The Holly Springs housing market offers relatively affordable housing compared to many major cities. The median household income in Holly Springs is $52,700, and the cost of living index is 84 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $62,486 to comfortably afford the median-priced home in Holly Springs, which exceeds the current median household income.
Monthly Payment Breakdown for Holly Springs
Based on the median home price of $246,000 with 20% down ($49,200), here is what you can expect to pay monthly in Holly Springs:
15-Year vs. 30-Year Mortgage in Holly Springs
Choosing a 15-year mortgage in Holly Springs at 6.02% instead of a 30-year at 6.79% would save you $162,180 in total interest over the life of the loan. However, your monthly payment would be $1,663 instead of $1,282 — an increase of $381 per month.
Calculate Your Holly Springs 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 Holly Springs
What are the current mortgage rates in Holly Springs, GA?
As of March 2026, the average 30-year fixed mortgage rate in Holly Springs, Georgia is 6.79%, while the 15-year fixed rate is 6.02%. FHA loans average 6.52% and VA loans 6.27%. These rates are 0.14% above the national average of 6.65%.
How much is a monthly mortgage payment in Holly Springs?
Based on the median home price of $246,000 with 20% down, the estimated monthly mortgage payment in Holly Springs is $1,282 for principal and interest. Including property taxes of $176/month, the total monthly housing cost is approximately $1,458.
What income do I need to buy a home in Holly Springs?
Using the 28% rule, you would need an annual income of approximately $62,486 to afford the median-priced home in Holly Springs at $246,000. The median household income in Holly Springs is $52,700. This means most households would need to either earn above the median or consider homes below $246,000.
Is Holly Springs a good place to buy a home in 2026?
Holly Springs offers a below-average cost of living with a cost of living index of 84 (national average = 100). The property tax rate in Georgia is 0.86%, which is near the national average. Holly Springs has a population of 15,849 and offers a very affordable lifestyle.
Mortgage Rates in Other Georgia Cities
Related Tools & Guides
Last updated: March 2026. Rates are approximate averages based on regional lending data for the Holly Springs, Georgia area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.