Mortgage Rates in Jesup, Georgia — March 2026
Updated March 2026 | Based on Jesup market data and regional lending conditions
Jesup is a growing city in Georgia with a population of 10,214. The current 30-year fixed mortgage rate in Jesup is 6.85%, which is 0.2% above the national average. With a median home price of $262,000 and a 20% down payment of $52,400, homebuyers can expect a monthly principal and interest payment of approximately $1,373.
Current Mortgage Rates in Jesup, GA
Below are the current average mortgage rates available in the Jesup 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 | 6.85% | 6.65% | +0.2% |
| 15-Year Fixed | 6.07% | 5.89% | +0.18% |
| 5/1 ARM | 6.31% | 6.15% | +0.16% |
| FHA | 6.55% | 6.25% | +0.3% |
| VA | 6.3% | 6.05% | +0.25% |
| Jumbo | 7.1% | 6.85% | +0.25% |
Jesup Housing Market Overview
The Jesup housing market offers relatively affordable housing compared to many major cities. The median household income in Jesup is $54,500, and the cost of living index is 89.8 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $67,843 to comfortably afford the median-priced home in Jesup, which exceeds the current median household income.
Monthly Payment Breakdown for Jesup
Based on the median home price of $262,000 with 20% down ($52,400), here is what you can expect to pay monthly in Jesup:
15-Year vs. 30-Year Mortgage in Jesup
Choosing a 15-year mortgage in Jesup at 6.07% instead of a 30-year at 6.85% would save you $174,420 in total interest over the life of the loan. However, your monthly payment would be $1,777 instead of $1,373 — an increase of $404 per month.
Calculate Your Jesup Mortgage Payment
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Open Free CalculatorFrequently Asked Questions About Mortgages in Jesup
What are the current mortgage rates in Jesup, GA?
As of March 2026, the average 30-year fixed mortgage rate in Jesup, Georgia is 6.85%, while the 15-year fixed rate is 6.07%. FHA loans average 6.55% and VA loans 6.3%. These rates are 0.2% above the national average of 6.65%.
How much is a monthly mortgage payment in Jesup?
Based on the median home price of $262,000 with 20% down, the estimated monthly mortgage payment in Jesup is $1,373 for principal and interest. Including property taxes of $210/month, the total monthly housing cost is approximately $1,583.
What income do I need to buy a home in Jesup?
Using the 28% rule, you would need an annual income of approximately $67,843 to afford the median-priced home in Jesup at $262,000. The median household income in Jesup is $54,500. This means most households would need to either earn above the median or consider homes below $262,000.
Is Jesup a good place to buy a home in 2026?
Jesup offers a below-average cost of living with a cost of living index of 89.8 (national average = 100). The property tax rate in Georgia is 0.96%, which is near the national average. Jesup has a population of 10,214 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 Jesup, Georgia area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.