Georgia Market at a Glance: 2026 Requirements & Inventory
Thinking about buying a home in Georgia, Georgia? The process is more straightforward when you know exactly what lenders and local experts expect. In 2026, most buyers must meet these key requirements:
- Credit score: Minimum 620 for most loans; 640+ for down payment assistance
- Income: The average needed is $101,448 per year for a median-priced home
- Down payment: As low as 3% for conventional loans or 3.5% for FHA
- DTI ratio: Generally under 43%
- Completion of a homebuyer education course if seeking assistance
Our current MLS Georgia feed features a range of properties ready for buyers who meet these basic criteria. Take this: you can see active homes in hot spots like Peachtree City and Senoia, all backed by The Brewer Group's local expertise.
| Requirement | Typical Value | Why It Matters |
|---|---|---|
| Credit Score | 620+ | Secures loan approval & better rates |
| Down Payment | 3-20% | Impacts loan type & monthly costs |
| Income | $101,448 | Ensures mortgage affordability |
| DTI Ratio | <43% | Affects loan approval |
If you’re ready to see what you qualify for, start your property search here.
Current Home Prices & What You Can Buy in Georgia
Prices in Georgia, Georgia continue to trend upward. As of early 2026, the median home price is $368,900. Here’s what different budgets can access from our exclusive MLS inventory:
- $250K–$350K: Updated 3-bed starter homes in neighborhoods like Brooks and Tyrone
- $350K–$500K: Newer construction, four-bedroom options in Newnan and Fayetteville
- $500K–$750K: Larger lots, custom finishes, and top-rated schools in Peachtree City
- $800K+: Luxury homes, private acreage, and high-end amenities across our covered areas
Below is a sample of available listings from The Brewer Group:
| Property | Area | Price | Link |
|---|---|---|---|
| Lakefront Craftsman | Peachtree City | $690,000 | View Listing |
| Modern Farmhouse | Senoia | $425,000 | View Listing |
| Executive Estate | Brooks | $850,000 | View Listing |
For more options tailored to your budget, browse all active Georgia listings.
Financing: Mortgage Rates, Loan Limits, and Assistance
Getting your financing lined up is critical. Mortgage rates in Georgia are averaging around 6.09% for a 30-year loan as of January 2026. Here’s how that affects buyers:
- Monthly payments for a $370,000 home: About $1,950 (principal & interest only)
- Higher scores and bigger down payments can reduce this
Loan limits in Georgia for 2026:
- Conforming limit: $832,750
- FHA limit: $541,287
First-time buyers or those with limited funds should explore the Georgia Dream Homeownership Program, which can offer:
- Down payment assistance up to $10,000
- Affordable mortgage rates
- Mandatory homebuyer education (often online)
If you’re a foreign buyer, remember: as of March 2026, investing at least $150,000 in qualified Georgia real estate can help you pursue residency by investment. The Brewer Group has helped international clients navigate this successfully.
Questions about what you qualify for? Call us at or for expert guidance.
Bottom line:Neighborhoods & Property Types: Where and What to Buy
Georgia's top neighborhoods each offer something unique. The Brewer Group specializes in:
- Peachtree City: Golf carts, lakes, A+ schools
- Senoia: Historic charm, walkable downtown
- Brooks: Larger lots, rural luxury
- Fayetteville: New builds, family-friendly
- Newnan: Affordable options, great parks
Property types we can show you include:
- Single-family homes (most popular)
- Townhomes and condos (often lower maintenance)
- New construction or historic homes
- Luxury estates with acreage
Our local insights help you match your needs — whether it’s school zones, lifestyle, or commute — with the right property. Explore all property types with our MLS search tool.
The Brewer Group Advantage: Buying with Confidence in 2026
With over 10 years of experience and deep roots in Georgia’s communities, The Brewer Group (Keller Williams) is uniquely positioned to guide buyers — first-timers and seasoned investors alike. Here’s what sets our team apart:
- Access to exclusive listings not found on public sites
- Personalized property matching based on your goals
- Expert negotiation to help you win in a competitive market
- Guidance at every step — from pre-approval to closing
- Certified Keller Williams Realtors with local and national recognition
Our buyers consistently tell us, “The Brewer Group made buying our Georgia home simple, even in a tough market.” We’ve earned awards for client satisfaction and market expertise — your confidence is our top priority.
Ready to take the next step? Explore Georgia Listings now or .