Georgia Market at a Glance: 2026 Homebuyer Numbers
If you’re searching "How much money do you need to buy a house in Georgia?", you want the facts – not just averages. As of January 2026, the median price for a single-family home in Georgia is $320,000. In the Atlanta metro, it’s about $405,000. That means for most buyers, a realistic budget is somewhere between these numbers depending on location and home type.
- Median home price (Georgia): $320,000
- Median price (Metro Atlanta): $405,000
- Average 30-year mortgage rate: 6.09% (Jan 2026)
- Typical closing costs: 2–5% of purchase price
The Brewer Group maintains exclusive access to hundreds of active listings across Peachtree City, Senoia, Brooks, Sharpsburg, Newnan, Fayetteville, and Tyrone. Browse Georgia homes available right now.
| City | Median Price | # Available Properties |
|---|---|---|
| Peachtree City | $515,000 | View Listings |
| Newnan | $389,000 | View Listings |
| Fayetteville | $414,000 | View Listings |
| Tyrone | $445,000 | View Listings |
Breaking Down the Real Costs: What Buyers Overlook
Most guides talk about median prices, but few address the full cost equation. To secure a typical Georgia home, you’ll need more than just a down payment. Let’s fill in the gaps:
- Down payment: Conventional loans usually require 5%–20%. FHA loans allow as low as 3.5%.
- Closing costs: Average 2%–5% of price ($6,400–$16,000 on a $320,000 home).
- Homeowners insurance: Around $2,435/year.
- Property taxes: Georgia’s average rate is 0.77% – about $2,464/year for a $320,000 home.
- HOA fees: $291/month average, but varies by community.
For a $320,000 home with 5% down, expect to need:
| Cost Item | Low Estimate | High Estimate |
|---|---|---|
| Down Payment (5%) | $16,000 | $64,000 (20%) |
| Closing Costs | $6,400 | $16,000 |
| Insurance + Taxes (year 1) | $4,900 | $5,100 |
- Minimum cash needed (with 5% down): $27,300–$37,100
- Cash needed with 20% down: $74,000–$85,100
Ready to see what’s available in your budget? Start your property search now.
Real Examples: What Your Money Buys Right Now
Numbers are only half the story. Here’s what buyers are actually purchasing through The Brewer Group. These are real, active properties as of 2026:
- Peachtree City 4BR, 2.5BA – $525,000: Modern kitchen, top Fayette schools, private backyard.
- Senoia 3BR, 2BA Craftsman – $347,000: Walkable to downtown, open floorplan, large lot.
- Newnan 5BR, 4BA with Pool – $589,000: Gated community, finished basement, top amenities.
- Fayetteville 3BR Townhome – $299,900: Maintenance-free, new appliances, close to Trilith studios.
We currently have over 120 properties active across Georgia, from starter homes to luxury estates. Every listing is handpicked for value and location.
- Single-family homes: $299,000–$750,000+
- Townhomes: $260,000–$425,000
- New construction: Wide range, ask for current incentives
Want to see more? Browse by price point or neighborhood.
The Financing Gap: How to Actually Secure Your Home
Many buyers in Georgia are surprised by lending nuances — and here's why that's important — . Here’s what actually matters in 2026:
- Credit score: 680+ opens up the best rates; FHA goes lower, but costs more.
- Monthly debts (DTI): Under 43% is preferred by lenders.
- Pre-approval: Sellers expect mortgage pre-approval before showings or offers.
- Low down payment? Budget extra for PMI (private mortgage insurance).
- Georgia’s first-time buyer programs: Up to $7,500 in down payment help for qualified buyers (ask us for details).
Case study: One recent client purchased a Tyrone home for $410,000 with just 5% down and $9,500 in closing costs, using a state grant for first-timers. Let's be honest: they moved in with less than $30. 000 out of pocket.
Our team will help you:
- Connect with trusted local lenders
- Access exclusive listings before public release
- Negotiate seller concessions to offset closing costs
Questions? at The Brewer Group.
How The Brewer Group Gets You the Right Home (and Deal)
It’s not just about money – it’s about buying smart. The Brewer Group has guided hundreds of Georgia buyers through every market twist for over a decade. Here’s what sets us apart:
- Access to exclusive MLS Georgia listings you won’t find on public sites
- Personalized property matching (we know every school, commute, and HOA nuance)
- 10+ years of local negotiation expertise – from Peachtree City to Senoia to Newnan
- Guidance through every step: pre-approval, inspections, offers, closing
- Proven track record: "Jake and his team made buying our Fayetteville home simple – we saved thousands thanks to their strategy." – Erin W., 2025 buyer
Our agents know how to spot hidden gems and help you avoid costly mistakes. We’re led by Jake Brewer, a Keller Williams award-winning broker, and backed by national resources.
- Voted "Best of Georgia" Real Estate Team 2024-2025
- Hundreds of 5-star reviews from buyers like you
Start your journey with the team who knows Georgia best. Explore Georgia listings or call Jake Brewer at .
Ready to Make a Move? Find Your Georgia Home Now
In 2026, buying a home in Georgia means understanding the full cost, getting expert local advice, and acting quickly when you see the right property. The Brewer Group is here to make your purchase smooth, informed, and rewarding.
- See active Georgia listings
- Start your property search
- Or for custom guidance
Your next home could be just a click away. Let The Brewer Group put our experience, connections, and exclusive listings to work for you.







