Georgia Mortgage Rates 2026: By City
Short answer: Georgia 30-year fixed mortgage rates average 6.73% APR in 2026, with statewide median home price $387,370 and required income of about $98,599 to comfortably afford a typical Georgia home (20% down, 28% DTI rule). FHA loans average 6.3%, VA loans 6.1%, jumbo 6.9%. Rates vary <0.1% between cities, Atlanta, Savannah, Pooler, Macon, Augusta all hover near 6.7%.
Reviewed May 17, 2026
Georgia Loan-Limit Source Check
Georgia buyers should separate rates from eligibility limits. FHFA's 2026 baseline conforming limit is $832,750 for most one-unit properties, and HUD's 2026 FHA one-unit floor is $541,287. Georgia Dream assistance, FHA limits, and jumbo thresholds should be checked by county before comparing lenders.
Mortgage rates by Georgia city (top 30 by population)
| City | Pop. | Median Home | 30yr | 15yr | 5/1 ARM | FHA | VA | Jumbo | Income Needed |
|---|---|---|---|---|---|---|---|---|---|
| Atlanta | 498,715 | $382K | 6.7% | 5.94% | 6.2% | 6.3% | 6.1% | 6.9% | $97K |
| Columbus | 206,922 | $176K | 6.76% | 6% | 6.26% | 6.51% | 6.26% | 7.01% | $45K |
| Augusta | 202,081 | $188K | 6.7% | 5.94% | 6.2% | 6.3% | 6.1% | 6.9% | $48K |
| Macon | 157,346 | $174K | 6.7% | 5.94% | 6.2% | 6.3% | 6.1% | 6.9% | $44K |
| Savannah | 148,808 | $322K | 6.7% | 5.94% | 6.2% | 6.3% | 6.1% | 6.9% | $82K |
| Athens | 127,064 | $340K | 6.7% | 5.94% | 6.2% | 6.3% | 6.1% | 6.9% | $86K |
| Sandy Springs | 108,080 | $692K | 6.7% | 5.94% | 6.2% | 6.3% | 6.1% | 6.9% | $176K |
| Roswell | 94,786 | $653K | 6.7% | 5.94% | 6.2% | 6.3% | 6.1% | 6.9% | $166K |
| Johns Creek | 82,453 | $695K | 6.7% | 5.94% | 6.2% | 6.3% | 6.1% | 6.9% | $177K |
| Warner Robins | 80,308 | $215K | 6.7% | 5.94% | 6.2% | 6.3% | 6.1% | 6.9% | $55K |
| Albany | 69,647 | $134K | 6.7% | 5.94% | 6.2% | 6.3% | 6.1% | 6.9% | $34K |
| Alpharetta | 67,213 | $717K | 6.77% | 6.01% | 6.26% | 6.51% | 6.26% | 7.02% | $182K |
| Marietta | 60,972 | $471K | 6.83% | 6.05% | 6.3% | 6.54% | 6.29% | 7.08% | $120K |
| Stonecrest | 59,073 | $304K | 6.68% | 5.93% | 6.21% | 6.46% | 6.21% | 6.93% | $77K |
| Smyrna | 56,628 | $443K | 6.82% | 6.05% | 6.29% | 6.54% | 6.29% | 7.07% | $115K |
| Valdosta | 56,457 | $214K | 6.7% | 5.94% | 6.2% | 6.3% | 6.1% | 6.9% | $54K |
| Brookhaven | 55,554 | $745K | 6.72% | 5.96% | 6.23% | 6.48% | 6.23% | 6.97% | $189K |
| Dunwoody | 51,683 | $672K | 6.74% | 5.98% | 6.24% | 6.49% | 6.24% | 6.99% | $171K |
| Swainsboro | 45,829 | $131K | 6.66% | 5.92% | 6.2% | 6.46% | 6.21% | 6.91% | $33K |
| Gainesville | 44,252 | $371K | 6.77% | 6% | 6.26% | 6.51% | 6.26% | 7.02% | $95K |
| Newnan | 43,645 | $365K | 6.71% | 5.96% | 6.22% | 6.48% | 6.23% | 6.96% | $92K |
| Peachtree Corners | 43,561 | $543K | 6.88% | 6.09% | 6.33% | 6.56% | 6.31% | 7.13% | $139K |
| Bowdon | 41,191 | $257K | 6.75% | 5.99% | 6.25% | 6.5% | 6.25% | 7% | $65K |
| Peachtree City | 38,550 | $569K | 6.7% | 5.94% | 6.2% | 6.3% | 6.1% | 6.9% | $145K |
| East Point | 38,358 | $232K | 6.74% | 5.98% | 6.24% | 6.49% | 6.24% | 6.99% | $59K |
| Evans | 37,747 | $407K | 6.85% | 6.07% | 6.31% | 6.55% | 6.3% | 7.1% | $105K |
| Martinez | 36,771 | $286K | 6.61% | 5.88% | 6.17% | 6.43% | 6.18% | 6.86% | $73K |
| Tucker | 36,542 | $386K | 6.76% | 6% | 6.26% | 6.5% | 6.25% | 7.01% | $98K |
| Rome | 36,303 | $233K | 6.45% | 5.69% | 5.95% | 6.05% | 5.85% | 6.65% | $57K |
| Douglasville | 36,187 | $302K | 6.86% | 6.08% | 6.32% | 6.56% | 6.31% | 7.11% | $78K |
Loan type guide for Georgia buyers
30-year Fixed
Most common. Predictable monthly payment for 360 months. GA average rate 6.7%. Best for buyers prioritizing payment stability over total interest minimization.
15-year Fixed
Higher monthly payment (~50% more) but pays off in half the time. GA average 5.94% (lower than 30-yr). Total interest saved: ~$170,000 on $316K loan.
5/1 ARM
Fixed for 5 years (GA avg 6.2%) then adjusts annually. Best for buyers planning to sell or refinance within 5-7 years. Risk: post-fixed payment shock.
FHA
3.5% minimum down (vs 20% conventional). 580+ credit score floor. HUD's 2026 one-unit FHA floor is $541,287, with county-specific limits above that in eligible high-cost areas. Includes MIP for life of loan if <10% down.
VA
0% down for eligible veterans, active duty, surviving spouses. GA average rate 6.1% (lowest of all loan types). No PMI. Funding fee 1.25-3.3% (waivable for disabled vets).
Jumbo
For loans above the 2026 FHFA conforming limit ($832,750 baseline for most one-unit properties; $1,249,125 high-cost ceiling). Stricter credit/DTI requirements (typically 700+ FICO, 43% DTI). GA jumbo average 6.9%.
Georgia Dream: first-time homebuyer assistance
Georgia residents may qualify for the Georgia Dream Homeownership Program through the Georgia Department of Community Affairs:
- Standard Down-Payment Assistance: Up to $10,000 (loans for first-time buyers, must complete 8-hour homebuyer education)
- PEN program: $12,500 for protected occupations (active military, public safety, healthcare workers, educators)
- CHOICE program: $12,500 for buyers with disabilities or family members with disabilities living in the home
- Income limits: Vary by county and household size, typically 80%-115% of area median income
- Repayment: Forgiven if buyer remains in home 5 years; otherwise, 0% interest deferred until sale or refinance
Related Amortio resources
- 2026 Mortgage Rate Forecast (Fed path, inflation outlook)
- When to lock your mortgage rate (FOMC calendar)
- ARM vs Fixed-Rate Mortgage Decision Guide
- PMI vs MIP vs VA Funding Fee, full comparison
- Mortgage Calculator
Sources: city home values from the Zillow Home Value Index (ZHVI, typical home value), Zillow Research, data through August 2026 (Amortio estimate where a city is not covered); Freddie Mac Primary Mortgage Market Survey (Q1 2026), Georgia Department of Community Affairs (DCA) Georgia Dream guidelines, FHFA Conforming Loan Limit (2026 schedule), FHA Loan Limit by County (HUD 2026), Georgia Department of Revenue property tax data, US Census Bureau ACS 5-year estimates 2019-2023. Rates shown are statewide averages, actual rates vary by lender, credit score, down payment, and loan terms. Always shop multiple lenders before committing.