Georgia Mortgage Calculator
Estimate the monthly PITI payment on a Georgia home. Preseeded with the state’s 0.81% effective property-tax rate, $1,900 average annual insurance, and $340,000 median home price.
Loan Parameters
$
$
Percentage
20.0 %
Loan Term
Advanced Options
$
Monthly Payment (PITI)
$2,220
- Principal & Interest
- $1,719
- Property Taxes
- $230
- Home Insurance
- $158
- PMI
- $113
Total Interest
$346,921
Total Cost
$758,541
Payoff Year
2056
Georgia Property Tax, Insurance & Home Prices
- Effective property-tax rate
- 0.81%
- Avg annual insurance
- $1,900
- Median home price
- $340,000
Statewide averages, last reviewed May 2026. Actual rates and premiums vary significantly by county, city, and parcel — see the notes below.
Notable Georgia Rules
Georgia offers a $2,000 standard homestead exemption from county and school taxes, plus larger local exemptions in some counties. Atlanta-area counties (Fulton, DeKalb, Cobb) have the highest mill rates; rural counties are noticeably lower.
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Frequently Asked Questions
- Georgia's statewide effective property-tax rate is approximately 0.81% of home value (last reviewed May 2026). Actual county- and city-level rates vary; check your specific parcel before budgeting.