Mortgage Rates in Brookhaven, Georgia — March 2026
Updated March 2026 | Based on Brookhaven market data and regional lending conditions
Brookhaven is a growing city in Georgia with a population of 55,554. The current 30-year fixed mortgage rate in Brookhaven is 6.72%, which is 0.07% above the national average. With a median home price of $288,000 and a 20% down payment of $57,600, homebuyers can expect a monthly principal and interest payment of approximately $1,490.
Current Mortgage Rates in Brookhaven, GA
Below are the current average mortgage rates available in the Brookhaven 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 | 6.72% | 6.65% | +0.07% |
| 15-Year Fixed | 5.96% | 5.89% | +0.07% |
| 5/1 ARM | 6.23% | 6.15% | +0.08% |
| FHA | 6.48% | 6.25% | +0.23% |
| VA | 6.23% | 6.05% | +0.18% |
| Jumbo | 6.97% | 6.85% | +0.12% |
Brookhaven Housing Market Overview
The Brookhaven housing market offers relatively affordable housing compared to many major cities. The median household income in Brookhaven is $63,500, and the cost of living index is 88.3 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $73,200 to comfortably afford the median-priced home in Brookhaven, which exceeds the current median household income.
Monthly Payment Breakdown for Brookhaven
Based on the median home price of $288,000 with 20% down ($57,600), here is what you can expect to pay monthly in Brookhaven:
15-Year vs. 30-Year Mortgage in Brookhaven
Choosing a 15-year mortgage in Brookhaven at 5.96% instead of a 30-year at 6.72% would save you $187,380 in total interest over the life of the loan. However, your monthly payment would be $1,939 instead of $1,490 — an increase of $449 per month.
Calculate Your Brookhaven 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 Brookhaven
What are the current mortgage rates in Brookhaven, GA?
As of March 2026, the average 30-year fixed mortgage rate in Brookhaven, Georgia is 6.72%, while the 15-year fixed rate is 5.96%. FHA loans average 6.48% and VA loans 6.23%. These rates are 0.07% above the national average of 6.65%.
How much is a monthly mortgage payment in Brookhaven?
Based on the median home price of $288,000 with 20% down, the estimated monthly mortgage payment in Brookhaven is $1,490 for principal and interest. Including property taxes of $218/month, the total monthly housing cost is approximately $1,708.
What income do I need to buy a home in Brookhaven?
Using the 28% rule, you would need an annual income of approximately $73,200 to afford the median-priced home in Brookhaven at $288,000. The median household income in Brookhaven is $63,500. This means most households would need to either earn above the median or consider homes below $288,000.
Is Brookhaven a good place to buy a home in 2026?
Brookhaven offers a below-average cost of living with a cost of living index of 88.3 (national average = 100). The property tax rate in Georgia is 0.91%, which is near the national average. Brookhaven has a population of 55,554 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 Brookhaven, Georgia area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.