Ranked from ACS 2023 5-Year
Cheapest Counties to Own a Home Outright in Georgia
Paying off a mortgage does not end the cost of a house. This ranks counties by what the median home still costs every month with no loan at all: property tax, insurance, electricity, water and maintenance. Nowhere in America is it zero.
Where does yours land?
Every county in America is somewhere on this scale, including the one you live in.
Georgia ranked
| # | County | Monthly if paid off | Median home | Effective rate |
|---|---|---|---|---|
| 1 | Wheeler County | $384 | $74,600 | 0.753% |
| 2 | Stewart County | $385 | $53,000 | 1.711% |
| 3 | Atkinson County | $396 | $76,300 | 0.883% |
| 4 | Wilcox County | $396 | $71,200 | 1.058% |
| 5 | Appling County | $403 | $81,400 | 0.846% |
| 6 | Warren County | $409 | $78,000 | 1.031% |
| 7 | Taylor County | $410 | $82,900 | 0.897% |
| 8 | Jenkins County | $410 | $81,100 | 0.958% |
| 9 | Taliaferro County | $412 | $73,100 | 1.254% |
| 10 | Wilkinson County | $425 | $90,800 | 0.882% |
| 11 | Randolph County | $425 | $90,900 | 0.880% |
| 12 | Calhoun County | $426 | $82,200 | 1.152% |
| 13 | Hancock County | $426 | $87,400 | 0.994% |
| 14 | Emanuel County | $426 | $88,200 | 0.975% |
| 15 | Johnson County | $428 | $91,200 | 0.918% |
| 16 | Macon County | $437 | $87,000 | 1.162% |
| 17 | Webster County | $438 | $92,200 | 1.014% |
| 18 | Jefferson County | $438 | $93,100 | 0.991% |
| 19 | Chattooga County | $438 | $98,700 | 0.855% |
| 20 | Clay County | $440 | $92,500 | 1.044% |
| 21 | Brantley County | $445 | $91,800 | 1.120% |
| 22 | Quitman County | $446 | $103,000 | 0.844% |
| 23 | Treutlen County | $446 | $98,400 | 0.955% |
| 24 | Twiggs County | $447 | $104,500 | 0.822% |
| 25 | Chattahoochee County | $452 | $99,800 | 0.990% |
| 26 | Clinch County | $453 | $86,300 | 1.396% |
| 27 | Turner County | $453 | $95,200 | 1.131% |
| 28 | Burke County | $461 | $107,800 | 0.907% |
| 29 | Bacon County | $463 | $104,100 | 1.022% |
| 30 | Dooly County | $465 | $96,400 | 1.243% |
| 31 | Jeff Davis County | $466 | $109,300 | 0.930% |
| 32 | Dodge County | $467 | $108,700 | 0.954% |
| 33 | Ware County | $467 | $106,500 | 1.011% |
| 34 | Marion County | $469 | $122,100 | 0.704% |
| 35 | Irwin County | $474 | $105,300 | 1.115% |
| 36 | Wilkes County | $475 | $105,000 | 1.137% |
| 37 | Echols County | $478 | $112,600 | 0.986% |
| 38 | Telfair County | $478 | $108,200 | 1.091% |
| 39 | Baker County | $482 | $120,100 | 0.868% |
| 40 | Elbert County | $482 | $114,600 | 0.983% |
| 41 | Cook County | $483 | $123,000 | 0.820% |
| 42 | Charlton County | $484 | $119,000 | 0.908% |
| 43 | Berrien County | $484 | $115,200 | 0.989% |
| 44 | Colquitt County | $484 | $121,400 | 0.866% |
| 45 | Terrell County | $486 | $111,500 | 1.096% |
| 46 | Coffee County | $487 | $125,700 | 0.807% |
| 47 | Worth County | $487 | $112,400 | 1.086% |
| 48 | Montgomery County | $488 | $118,200 | 0.964% |
| 49 | Mitchell County | $489 | $105,500 | 1.277% |
| 50 | Ben Hill County | $489 | $114,600 | 1.061% |
| 51 | Washington County | $495 | $115,600 | 1.097% |
| 52 | Early County | $497 | $130,100 | 0.822% |
| 53 | Seminole County | $498 | $111,600 | 1.220% |
| 54 | Glascock County | $500 | $122,800 | 0.989% |
| 55 | Tattnall County | $502 | $122,400 | 1.018% |
| 56 | Laurens County | $505 | $137,400 | 0.769% |
| 57 | Toombs County | $506 | $127,100 | 0.962% |
| 58 | Pierce County | $511 | $132,100 | 0.915% |
| 59 | Crisp County | $512 | $120,800 | 1.156% |
| 60 | Screven County | $518 | $122,300 | 1.181% |
| 61 | Brooks County | $519 | $118,100 | 1.281% |
| 62 | Talbot County | $519 | $127,200 | 1.088% |
| 63 | Grady County | $527 | $136,500 | 0.979% |
| 64 | Crawford County | $528 | $144,800 | 0.842% |
| 65 | Miller County | $529 | $118,300 | 1.386% |
| 66 | Bleckley County | $531 | $132,900 | 1.082% |
| 67 | Wayne County | $532 | $149,800 | 0.796% |
| 68 | Candler County | $532 | $135,600 | 1.041% |
| 69 | Sumter County | $532 | $122,300 | 1.321% |
| 70 | Heard County | $533 | $161,000 | 0.640% |
| 71 | Pulaski County | $535 | $144,300 | 0.912% |
| 72 | Tift County | $536 | $143,100 | 0.936% |
| 73 | Evans County | $540 | $139,700 | 1.032% |
| 74 | Dade County | $541 | $166,600 | 0.624% |
| 75 | Decatur County | $541 | $146,200 | 0.925% |
| 76 | Upson County | $543 | $149,500 | 0.886% |
| 77 | Franklin County | $549 | $160,600 | 0.767% |
| 78 | McDuffie County | $549 | $155,100 | 0.849% |
| 79 | Schley County | $550 | $152,900 | 0.887% |
| 80 | Baldwin County | $553 | $164,700 | 0.742% |
| 81 | Murray County | $555 | $173,300 | 0.641% |
| 82 | Dougherty County | $556 | $129,200 | 1.393% |
| 83 | Meriwether County | $559 | $154,600 | 0.931% |
| 84 | Polk County | $559 | $163,500 | 0.799% |
| 85 | Richmond County | $570 | $163,300 | 0.882% |
| 86 | Lincoln County | $570 | $163,600 | 0.883% |
| 87 | Stephens County | $572 | $168,200 | 0.830% |
| 88 | McIntosh County | $572 | $173,900 | 0.753% |
| 89 | Walker County | $576 | $173,900 | 0.778% |
| 90 | Lanier County | $583 | $161,100 | 1.017% |
| 91 | Hart County | $597 | $206,500 | 0.539% |
| 92 | Muscogee County | $601 | $182,300 | 0.837% |
| 93 | Jones County | $603 | $174,600 | 0.958% |
| 94 | Thomas County | $605 | $185,300 | 0.825% |
| 95 | Bibb County | $605 | $165,800 | 1.101% |
| 96 | Whitfield County | $606 | $198,900 | 0.673% |
| 97 | Bulloch County | $610 | $191,600 | 0.778% |
| 98 | Floyd County | $619 | $194,100 | 0.804% |
| 99 | Habersham County | $622 | $212,000 | 0.627% |
| 100 | Gordon County | $624 | $205,600 | 0.705% |
| 101 | Oglethorpe County | $628 | $198,700 | 0.804% |
| 102 | Madison County | $629 | $198,800 | 0.809% |
| 103 | Liberty County | $629 | $180,200 | 1.053% |
| 104 | Lowndes County | $630 | $197,900 | 0.830% |
| 105 | Troup County | $633 | $187,800 | 0.972% |
| 106 | Clayton County | $634 | $194,500 | 0.893% |
| 107 | Catoosa County | $637 | $214,200 | 0.689% |
| 108 | Carroll County | $649 | $227,500 | 0.624% |
| 109 | Houston County | $650 | $205,600 | 0.856% |
| 110 | Spalding County | $650 | $196,600 | 0.965% |
| 111 | Peach County | $653 | $186,100 | 1.124% |
| 112 | Long County | $655 | $196,500 | 0.997% |
| 113 | Lamar County | $657 | $201,400 | 0.948% |
| 114 | Putnam County | $658 | $222,000 | 0.723% |
| 115 | Haralson County | $658 | $210,400 | 0.849% |
| 116 | Fannin County | $671 | $274,600 | 0.349% |
| 117 | Jasper County | $684 | $219,700 | 0.890% |
| 118 | Gilmer County | $685 | $278,900 | 0.384% |
| 119 | Butts County | $689 | $227,800 | 0.828% |
| 120 | Monroe County | $690 | $243,200 | 0.686% |
| 121 | Banks County | $694 | $251,700 | 0.630% |
| 122 | Union County | $703 | $272,600 | 0.505% |
| 123 | Rabun County | $710 | $272,600 | 0.537% |
| 124 | Newton County | $716 | $233,300 | 0.914% |
| 125 | White County | $720 | $262,200 | 0.661% |
| 126 | Lee County | $720 | $226,900 | 1.002% |
| 127 | Rockdale County | $722 | $256,600 | 0.718% |
| 128 | Camden County | $722 | $233,900 | 0.939% |
| 129 | Glynn County | $725 | $268,300 | 0.638% |
| 130 | Towns County | $733 | $311,900 | 0.365% |
| 131 | Bartow County | $733 | $262,200 | 0.725% |
| 132 | Barrow County | $743 | $255,200 | 0.832% |
| 133 | Douglas County | $748 | $262,200 | 0.793% |
| 134 | Effingham County | $749 | $245,300 | 0.956% |
| 135 | Lumpkin County | $753 | $277,200 | 0.688% |
| 136 | Pickens County | $769 | $289,600 | 0.661% |
| 137 | Pike County | $784 | $265,700 | 0.924% |
| 138 | Clarke County | $791 | $271,900 | 0.899% |
| 139 | Chatham County | $794 | $273,300 | 0.901% |
| 140 | Harris County | $802 | $278,700 | 0.886% |
| 141 | Henry County | $807 | $277,400 | 0.922% |
| 142 | Columbia County | $810 | $287,400 | 0.846% |
| 143 | Paulding County | $813 | $289,000 | 0.846% |
| 144 | Walton County | $826 | $300,500 | 0.809% |
| 145 | Hall County | $839 | $313,600 | 0.760% |
| 146 | Morgan County | $852 | $323,100 | 0.742% |
| 147 | Bryan County | $853 | $317,100 | 0.789% |
| 148 | Coweta County | $858 | $321,900 | 0.771% |
| 149 | Jackson County | $869 | $312,700 | 0.883% |
| 150 | Greene County | $872 | $342,200 | 0.685% |
| 151 | Dawson County | $874 | $351,900 | 0.632% |
| 152 | DeKalb County | $917 | $331,400 | 0.919% |
| 153 | Cobb County | $930 | $373,700 | 0.685% |
| 154 | Gwinnett County | $963 | $345,700 | 0.978% |
| 155 | Cherokee County | $965 | $389,800 | 0.701% |
| 156 | Fayette County | $1,021 | $405,600 | 0.781% |
| 157 | Oconee County | $1,036 | $425,100 | 0.719% |
| 158 | Fulton County | $1,110 | $431,200 | 0.892% |
| 159 | Forsyth County | $1,181 | $493,800 | 0.759% |
Every figure is modelled on the county's own median home with 20% down at 7.03%. Property tax and electricity are county and state specific; homeowners insurance uses the NAIC average premium for that state, which ranges from 0.16% of home value in Hawaii to 1.16% in Oklahoma. Maintenance and water are national estimates. Full methodology.
Nationwide
Cheapest Counties to Own a Home Outright across all 3,133 US counties · Every county in Georgia