Mortgage Rates in Atlanta, Georgia — March 2026
Updated March 2026 | Based on Atlanta market data and regional lending conditions
Atlanta is a mid-sized city in Georgia with a population of 498,715. The current 30-year fixed mortgage rate in Atlanta is 6.7%, which is 0.05% above the national average. With a median home price of $395,000 and a 20% down payment of $79,000, homebuyers can expect a monthly principal and interest payment of approximately $2,039.
Current Mortgage Rates in Atlanta, GA
Below are the current average mortgage rates available in the Atlanta 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 | 6.7% | 6.65% | +0.05% |
| 15-Year Fixed | 5.94% | 5.89% | +0.05% |
| 5/1 ARM | 6.2% | 6.15% | +0.05% |
| FHA | 6.3% | 6.25% | +0.05% |
| VA | 6.1% | 6.05% | +0.05% |
| Jumbo | 6.9% | 6.85% | +0.05% |
Atlanta Housing Market Overview
The Atlanta housing market reflects moderate demand with prices near the national average. The median household income in Atlanta is $65,345, and the cost of living index is 107.2 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $100,371 to comfortably afford the median-priced home in Atlanta, which exceeds the current median household income.
Monthly Payment Breakdown for Atlanta
Based on the median home price of $395,000 with 20% down ($79,000), here is what you can expect to pay monthly in Atlanta:
15-Year vs. 30-Year Mortgage in Atlanta
Choosing a 15-year mortgage in Atlanta at 5.94% instead of a 30-year at 6.7% would save you $255,960 in total interest over the life of the loan. However, your monthly payment would be $2,656 instead of $2,039 — an increase of $617 per month.
Calculate Your Atlanta Mortgage Payment
Use our free calculator to get a personalized estimate based on your loan amount, interest rate, and term.
Open Free CalculatorFrequently Asked Questions About Mortgages in Atlanta
What are the current mortgage rates in Atlanta, GA?
As of March 2026, the average 30-year fixed mortgage rate in Atlanta, Georgia is 6.7%, while the 15-year fixed rate is 5.94%. FHA loans average 6.3% and VA loans 6.1%. These rates are 0.05% above the national average of 6.65%.
How much is a monthly mortgage payment in Atlanta?
Based on the median home price of $395,000 with 20% down, the estimated monthly mortgage payment in Atlanta is $2,039 for principal and interest. Including property taxes of $303/month, the total monthly housing cost is approximately $2,342.
What income do I need to buy a home in Atlanta?
Using the 28% rule, you would need an annual income of approximately $100,371 to afford the median-priced home in Atlanta at $395,000. The median household income in Atlanta is $65,345. This means most households would need to either earn above the median or consider homes below $395,000.
Is Atlanta a good place to buy a home in 2026?
Atlanta has a moderate cost of living with a cost of living index of 107.2 (national average = 100). The property tax rate in Georgia is 0.92%, which is near the national average. Atlanta has a population of 498,715 and offers a balanced lifestyle.
Mortgage Rates in Other Georgia Cities
Related Tools & Guides
Last updated: March 2026. Rates are approximate averages based on regional lending data for the Atlanta, Georgia area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.