Local costs · Georgia

What a home costs across Georgia

Property-tax rates, insurance, and closing costs vary widely by county. Below are the state-wide rules that apply everywhere in Georgia, then every county with its own tax rate and insurance range.

Statewide facts

Home insurance average
About $1,655 per year for a standard HO-3 policy (NAIC 2022 state average). Individual counties run above or below this based on local hazard risk — see the table below.
Transfer & recording tax
Georgia real estate transfer tax: 0.10% of price — seller customarily paysOn the $343,300 state median home, the buyer’s customary share is about $0; the seller customarily covers about $343.
Title insurance
Georgia uses competitive (filed) rates. Rates are competitive rather than state-set, so we model title and settlement from a national declining-rate curve calibrated to published costs.
State income tax
Georgia income tax is modeled at about 3.94% effective for a married household at $100,000 (4.57% filing single). These are modeled effective rates from Tax Foundation 2026 brackets.

All 158 counties in Georgia

Effective property-tax rate (Census ACS) and a typical annual insurance range at the state median home value. Select a county for the full breakdown.

CountyProperty taxInsurance / yr
Appling County0.94%$2,610–$5,830typical $4,020
Atkinson County0.79%$1,360–$3,030typical $2,090
Bacon County1.13%$1,850–$4,130typical $2,850
Baker County0.86%$1,700–$3,780typical $2,610
Baldwin County0.70%$810–$1,810typical $1,250
Banks County0.60%$880–$1,960typical $1,350
Barrow County0.78%$850–$1,890typical $1,300
Bartow County0.70%$1,040–$2,320typical $1,600
Ben Hill County1.07%$1,110–$2,470typical $1,700
Berrien County0.86%$1,770–$3,960typical $2,730
Bibb County1.03%$910–$2,030typical $1,400
Bleckley County0.95%$1,260–$2,810typical $1,940
Brantley County1.19%$2,180–$4,870typical $3,360
Brooks County1.14%$1,400–$3,120typical $2,150
Bryan County0.78%$3,170–$7,060typical $4,870
Bulloch County0.76%$1,860–$4,150typical $2,860
Burke County0.68%$1,150–$2,570typical $1,770
Butts County0.82%$900–$2,000typical $1,380
Calhoun County1.11%$1,580–$3,520typical $2,430
Camden County0.88%$2,270–$5,060typical $3,490
Candler County1.08%$1,680–$3,740typical $2,580
Carroll County0.61%$1,150–$2,570typical $1,770
Catoosa County0.65%$1,040–$2,320typical $1,600
Charlton County0.76%$2,940–$6,550typical $4,520
Chatham County0.84%$3,170–$7,060typical $4,870
Chattahoochee County0.83%$910–$2,030typical $1,400
Chattooga County0.88%$1,160–$2,600typical $1,790
Cherokee County0.69%$930–$2,070typical $1,430
Clarke County0.87%$870–$1,940typical $1,340
Clay County0.99%$1,540–$3,440typical $2,370
Clayton County0.87%$940–$2,100typical $1,450
Clinch County1.31%$1,920–$4,290typical $2,960
Cobb County0.67%$870–$1,940typical $1,340
Coffee County0.76%$1,330–$2,970typical $2,050
Colquitt County0.83%$1,370–$3,060typical $2,110
Columbia County0.82%$830–$1,840typical $1,270
Cook County0.78%$1,770–$3,960typical $2,730
Coweta County0.73%$810–$1,800typical $1,240
Crawford County0.87%$860–$1,930typical $1,330
Crisp County1.08%$1,180–$2,640typical $1,820
Dade County0.57%$1,220–$2,730typical $1,880
Dawson County0.60%$890–$1,990typical $1,370
Decatur County0.95%$1,800–$4,020typical $2,770
DeKalb County0.92%$810–$1,800typical $1,240
Dodge County0.87%$1,220–$2,710typical $1,870
Dooly County1.27%$1,310–$2,930typical $2,020
Dougherty County1.32%$1,240–$2,760typical $1,900
Douglas County0.74%$940–$2,100typical $1,450
Early County0.82%$2,200–$4,920typical $3,390
Echols County0.91%$1,420–$3,180typical $2,190
Effingham County0.90%$2,120–$4,730typical $3,260
Elbert County0.91%$830–$1,860typical $1,280
Emanuel County0.93%$1,510–$3,380typical $2,330
Evans County1.02%$1,880–$4,190typical $2,890
Fannin County0.33%$960–$2,130typical $1,470
Fayette County0.75%$910–$2,030typical $1,400
Floyd County0.85%$1,130–$2,520typical $1,740
Forsyth County0.73%$860–$1,910typical $1,320
Franklin County0.72%$810–$1,800typical $1,240
Fulton County0.88%$810–$1,800typical $1,240
Gilmer County0.35%$980–$2,190typical $1,510
Glascock County1.03%$1,090–$2,420typical $1,670
Glynn County0.57%$2,380–$5,310typical $3,660
Gordon County0.69%$1,030–$2,290typical $1,580
Grady County0.91%$1,810–$4,050typical $2,790
Greene County0.61%$1,010–$2,260typical $1,560
Gwinnett County0.95%$810–$1,800typical $1,240
Habersham County0.59%$810–$1,800typical $1,240
Hall County0.73%$900–$2,000typical $1,380
Hancock County1.09%$990–$2,200typical $1,520
Haralson County0.80%$980–$2,180typical $1,500
Harris County0.85%$900–$2,000typical $1,380
Hart County0.56%$910–$2,030typical $1,400
Heard County0.56%$1,050–$2,350typical $1,620
Henry County0.87%$840–$1,870typical $1,290
Houston County0.83%$910–$2,030typical $1,400
Irwin County1.07%$1,590–$3,550typical $2,450
Jackson County0.87%$880–$1,970typical $1,360
Jasper County0.80%$840–$1,870typical $1,290
Jeff Davis County0.92%$1,680–$3,760typical $2,590
Jefferson County0.96%$1,120–$2,510typical $1,730
Jenkins County0.86%$1,480–$3,310typical $2,280
Johnson County0.94%$1,170–$2,610typical $1,800
Jones County0.97%$940–$2,090typical $1,440
Lamar County0.86%$1,030–$2,310typical $1,590
Lanier County1.00%$1,380–$3,070typical $2,120
Laurens County0.66%$900–$2,000typical $1,380
Lee County0.97%$1,220–$2,730typical $1,880
Liberty County1.04%$3,170–$7,060typical $4,870
Lincoln County0.99%$950–$2,120typical $1,460
Long County0.87%$2,160–$4,810typical $3,320
Lowndes County0.81%$1,350–$3,000typical $2,070
Lumpkin County0.65%$830–$1,840typical $1,270
Macon County0.98%$1,070–$2,390typical $1,650
Madison County0.76%$880–$1,970typical $1,360
Marion County0.71%$920–$2,060typical $1,420
McDuffie County0.82%$920–$2,060typical $1,420
McIntosh County0.80%$3,170–$7,060typical $4,870
Meriwether County0.86%$810–$1,800typical $1,240
Miller County1.29%$2,390–$5,320typical $3,670
Mitchell County1.32%$1,750–$3,900typical $2,690
Monroe County0.69%$930–$2,070typical $1,430
Montgomery County1.04%$1,190–$2,650typical $1,830
Morgan County0.71%$860–$1,930typical $1,330
Murray County0.68%$1,050–$2,350typical $1,620
Muscogee County0.86%$810–$1,800typical $1,240
Newton County0.89%$860–$1,910typical $1,320
Oconee County0.70%$890–$1,990typical $1,370
Oglethorpe County0.75%$890–$1,990typical $1,370
Paulding County0.80%$1,010–$2,260typical $1,560
Peach County1.02%$840–$1,870typical $1,290
Pickens County0.60%$1,000–$2,230typical $1,540
Pierce County0.83%$2,040–$4,550typical $3,140
Pike County0.87%$810–$1,800typical $1,240
Polk County0.75%$1,110–$2,480typical $1,710
Pulaski County0.93%$1,230–$2,740typical $1,890
Putnam County0.68%$1,000–$2,230typical $1,540
Rabun County0.56%$860–$1,910typical $1,320
Randolph County1.07%$1,440–$3,220typical $2,220
Richmond County0.84%$980–$2,190typical $1,510
Rockdale County0.71%$900–$2,000typical $1,380
Schley County0.90%$980–$2,180typical $1,500
Screven County1.22%$2,570–$5,740typical $3,960
Seminole County1.22%$2,440–$5,450typical $3,760
Spalding County0.94%$840–$1,870typical $1,290
Stephens County0.81%$810–$1,800typical $1,240
Stewart County1.53%$1,030–$2,310typical $1,590
Sumter County1.25%$1,120–$2,490typical $1,720
Talbot County1.16%$980–$2,190typical $1,510
Taliaferro County1.31%$1,020–$2,280typical $1,570
Tattnall County0.90%$2,710–$6,050typical $4,170
Taylor County0.96%$1,190–$2,650typical $1,830
Telfair County1.12%$1,510–$3,360typical $2,320
Terrell County1.04%$1,150–$2,570typical $1,770
Thomas County0.78%$1,790–$3,990typical $2,750
Tift County0.86%$1,310–$2,910typical $2,010
Toombs County0.90%$1,280–$2,860typical $1,970
Towns County0.34%$860–$1,910typical $1,320
Treutlen County0.71%$1,450–$3,230typical $2,230
Troup County0.93%$960–$2,150typical $1,480
Turner County1.05%$1,230–$2,740typical $1,890
Twiggs County0.73%$1,010–$2,260typical $1,560
Union County0.52%$900–$2,020typical $1,390
Upson County0.85%$810–$1,800typical $1,240
Walker County0.75%$1,140–$2,540typical $1,750
Walton County0.76%$860–$1,910typical $1,320
Ware County0.96%$1,530–$3,420typical $2,360
Warren County1.09%$1,040–$2,320typical $1,600
Washington County1.00%$990–$2,220typical $1,530
Wayne County0.78%$2,080–$4,640typical $3,200
Webster County1.12%$1,200–$2,670typical $1,840
Wheeler County0.63%$1,520–$3,390typical $2,340
White County0.65%$930–$2,070typical $1,430
Whitfield County0.64%$1,010–$2,250typical $1,550
Wilcox County0.91%$1,420–$3,180typical $2,190
Wilkes County1.05%$1,020–$2,280typical $1,570
Wilkinson County0.90%$1,000–$2,230typical $1,540
Worth County1.13%$1,330–$2,960typical $2,040

* Property-tax rate is approximate because the county’s Census median is top-coded.

How these numbers are built

Every figure comes from public data or our own math: Census ACS property taxes, NAIC insurance averages scaled by FEMA risk, and researched transfer-tax and title schedules.

Estimates, not advice. See the methodology for sources, vintages, and the honest gaps.