Mortgage Rates in Acworth, Georgia — March 2026
Updated March 2026 | Based on Acworth market data and regional lending conditions
Acworth is a growing city in Georgia with a population of 23,042. The current 30-year fixed mortgage rate in Acworth is 6.17%, which is 0.48% below the national average. With a median home price of $325,000 and a 20% down payment of $65,000, homebuyers can expect a monthly principal and interest payment of approximately $1,588.
Current Mortgage Rates in Acworth, GA
Below are the current average mortgage rates available in the Acworth area as of March 2026. Rates vary by lender, credit score, and loan-to-value ratio. Use our free calculator above to see your personalized estimate.
| Loan Type | Rate | National Avg | Difference |
|---|---|---|---|
| 30-Year Fixed | 6.17% | 6.65% | -0.48% |
| 15-Year Fixed | 5.41% | 5.89% | -0.48% |
| 5/1 ARM | 5.67% | 6.15% | -0.48% |
| FHA | 5.77% | 6.25% | -0.48% |
| VA | 5.57% | 6.05% | -0.48% |
| Jumbo | 6.37% | 6.85% | -0.48% |
Acworth Housing Market Overview
The Acworth housing market reflects moderate demand with prices near the national average. The median household income in Acworth is $55,000, and the cost of living index is 94 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $78,257 to comfortably afford the median-priced home in Acworth, which exceeds the current median household income.
Monthly Payment Breakdown for Acworth
Based on the median home price of $325,000 with 20% down ($65,000), here is what you can expect to pay monthly in Acworth:
15-Year vs. 30-Year Mortgage in Acworth
Choosing a 15-year mortgage in Acworth at 5.41% instead of a 30-year at 6.17% would save you $191,520 in total interest over the life of the loan. However, your monthly payment would be $2,112 instead of $1,588 — an increase of $524 per month.
Calculate Your Acworth Mortgage Payment
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Open Free CalculatorFrequently Asked Questions About Mortgages in Acworth
What are the current mortgage rates in Acworth, GA?
As of March 2026, the average 30-year fixed mortgage rate in Acworth, Georgia is 6.17%, while the 15-year fixed rate is 5.41%. FHA loans average 5.77% and VA loans 5.57%. These rates are 0.48% below the national average of 6.65%.
How much is a monthly mortgage payment in Acworth?
Based on the median home price of $325,000 with 20% down, the estimated monthly mortgage payment in Acworth is $1,588 for principal and interest. Including property taxes of $238/month, the total monthly housing cost is approximately $1,826.
What income do I need to buy a home in Acworth?
Using the 28% rule, you would need an annual income of approximately $78,257 to afford the median-priced home in Acworth at $325,000. The median household income in Acworth is $55,000. This means most households would need to either earn above the median or consider homes below $325,000.
Is Acworth a good place to buy a home in 2026?
Acworth offers a below-average cost of living with a cost of living index of 94 (national average = 100). The property tax rate in Georgia is 0.88%, which is near the national average. Acworth has a population of 23,042 and offers a very affordable lifestyle.
Mortgage Rates in Other Georgia Cities
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Acworth, Georgia area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.