Mortgage Rates in Georgia — March 2026
Compare current mortgage rates across 70 cities in Georgia. The average 30-year fixed rate is 6.68%, which is 0.03% above the national average of 6.65%.
Georgia Housing Highlights
All 70 Cities in Georgia
| City | 30-Yr Rate | Home Price | Monthly P&I | Population |
|---|---|---|---|---|
| Atlanta | 6.7% | $395,000 | $2,039 | 498,715 |
| Columbus | 6.76% | $175,000 | $909 | 206,922 |
| Augusta | 6.7% | $175,000 | $903 | 202,081 |
| Macon | 6.7% | $145,000 | $749 | 157,346 |
| Savannah | 6.7% | $255,000 | $1,316 | 147,780 |
| Athens | 6.7% | $255,000 | $1,316 | 127,064 |
| Sandy Springs | 6.7% | $485,000 | $2,504 | 108,080 |
| Roswell | 6.7% | $465,000 | $2,400 | 94,786 |
| Johns Creek | 6.7% | $525,000 | $2,710 | 82,453 |
| Warner Robins | 6.7% | $195,000 | $1,007 | 80,308 |
| Albany | 6.7% | $125,000 | $645 | 69,647 |
| Alpharetta | 6.77% | $289,000 | $1,503 | 67,213 |
| Marietta | 6.83% | $281,000 | $1,470 | 60,972 |
| Stonecrest | 6.68% | $304,000 | $1,566 | 59,073 |
| Smyrna | 6.82% | $260,000 | $1,359 | 56,628 |
| Valdosta | 6.7% | $175,000 | $903 | 56,457 |
| Brookhaven | 6.72% | $288,000 | $1,490 | 55,554 |
| Dunwoody | 6.74% | $310,000 | $1,607 | 51,683 |
| Gainesville | 6.77% | $299,000 | $1,555 | 44,252 |
| Newnan | 6.71% | $292,000 | $1,509 | 43,645 |
| Peachtree Corners | 6.88% | $262,000 | $1,378 | 43,561 |
| Peachtree City | 6.7% | $415,000 | $2,142 | 38,550 |
| East Point | 6.74% | $262,000 | $1,358 | 38,358 |
| Evans | 6.85% | $272,000 | $1,426 | 37,747 |
| Martinez | 6.61% | $286,000 | $1,463 | 36,771 |
| Tucker | 6.76% | $296,000 | $1,537 | 36,542 |
| Rome | 6.45% | $195,000 | $981 | 36,303 |
| Douglasville | 6.86% | $277,000 | $1,454 | 36,187 |
| Dalton | 6.7% | $195,000 | $1,007 | 34,567 |
| Woodstock | 6.7% | $375,000 | $1,936 | 34,429 |
| Kennesaw | 6.7% | $345,000 | $1,781 | 34,077 |
| Statesboro | 6.7% | $195,000 | $1,007 | 33,640 |
| Hinesville | 6.7% | $195,000 | $1,007 | 33,437 |
| Canton | 6.09% | $365,000 | $1,767 | 33,143 |
| LaGrange | 6.1% | $185,000 | $897 | 31,438 |
| Lawrenceville | 6.69% | $284,000 | $1,465 | 30,806 |
| Pooler | 6.7% | $315,000 | $1,626 | 30,580 |
| Stockbridge | 6.79% | $265,000 | $1,381 | 30,228 |
| Duluth | 6.89% | $269,000 | $1,416 | 29,538 |
| Carrollton | 6.45% | $225,000 | $1,132 | 28,524 |
| McDonough | 6.6% | $289,000 | $1,477 | 27,714 |
| Union City | 6.64% | $275,000 | $1,411 | 24,510 |
| Sugar Hill | 6.89% | $232,000 | $1,221 | 24,270 |
| Acworth | 6.17% | $325,000 | $1,588 | 23,042 |
| Griffin | 6.63% | $239,000 | $1,225 | 22,854 |
| Cartersville | 6.79% | $267,000 | $1,391 | 22,104 |
| Suwanee | 6.72% | $425,000 | $2,198 | 21,803 |
| Snellville | 6.03% | $315,000 | $1,516 | 20,381 |
| Forest Park | 6.63% | $250,000 | $1,281 | 19,909 |
| Perry | 6.86% | $287,000 | $1,506 | 19,297 |
| Milledgeville | 6.7% | $175,000 | $903 | 18,757 |
| North Druid Hills | 6.85% | $270,000 | $1,415 | 18,571 |
| Winder | 6.61% | $263,000 | $1,345 | 18,552 |
| St. Marys | 6.88% | $275,000 | $1,446 | 18,500 |
| Thomasville | 6.41% | $175,000 | $876 | 18,413 |
| Tifton | 6.35% | $165,000 | $821 | 17,498 |
| Calhoun | 6.68% | $287,000 | $1,479 | 17,457 |
| Conyers | 6.8% | $240,000 | $1,252 | 17,080 |
| Brunswick | 6.79% | $283,000 | $1,474 | 16,346 |
| Holly Springs | 6.79% | $246,000 | $1,282 | 15,849 |
| Dublin | 6.72% | $276,000 | $1,428 | 15,824 |
| Riverdale | 6.72% | $250,000 | $1,293 | 15,134 |
| Lithia Springs | 6.68% | $280,000 | $1,442 | 14,938 |
| Covington | 6.75% | $271,000 | $1,406 | 14,359 |
| Moultrie | 6.76% | $229,000 | $1,189 | 14,268 |
| Waycross | 6.76% | $256,000 | $1,330 | 13,428 |
| Loganville | 6.82% | $262,000 | $1,369 | 12,951 |
| Vidalia | 6.76% | $237,000 | $1,231 | 10,896 |
| Cordele | 6.64% | $271,000 | $1,390 | 10,634 |
| Jesup | 6.85% | $262,000 | $1,373 | 10,214 |
Georgia Mortgage Rates Guide — 2026
Georgia homebuyers currently see an average 30-year fixed mortgage rate of 6.68%, with median home prices around $272,114. At these rates, the typical monthly mortgage payment (principal and interest with 20% down) is $1,403.
The most affordable city for homebuyers in Georgia is Albany, where the median home price is $125,000. On the other end, Johns Creek has the highest prices at $525,000. Property tax rates across the state average 0.91%.
To comfortably afford a home at the state average price, a household income of approximately $60,129 is recommended, following the standard guideline that housing costs should not exceed 28% of gross income.
Use our free loan calculator to see your exact monthly payments and amortization schedule, or browse individual city pages below for localized rate data and market insights.
Frequently Asked Questions — Georgia Mortgages
What are current mortgage rates in Georgia?
As of March 2026, the average 30-year fixed mortgage rate in Georgia is 6.68% and the 15-year fixed rate averages 5.92%. Rates vary by city, lender, and borrower qualification.
What is the average home price in Georgia?
The median home price across 70 cities in Georgia is $272,114. Prices range from $125,000 in Albany to $525,000 in Johns Creek.
How much income do I need to buy a house in Georgia?
Based on the 28% debt-to-income guideline, you would need a household income of approximately $60,129 to comfortably afford the average home in Georgia. The median household income in the state is approximately $55,897.
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