Mortgage Rates in Moultrie, Georgia — March 2026
Updated March 2026 | Based on Moultrie market data and regional lending conditions
Moultrie is a growing city in Georgia with a population of 14,268. The current 30-year fixed mortgage rate in Moultrie is 6.76%, which is 0.11% above the national average. With a median home price of $229,000 and a 20% down payment of $45,800, homebuyers can expect a monthly principal and interest payment of approximately $1,189.
Current Mortgage Rates in Moultrie, GA
Below are the current average mortgage rates available in the Moultrie 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 | 6.76% | 6.65% | +0.11% |
| 15-Year Fixed | 6% | 5.89% | +0.11% |
| 5/1 ARM | 6.25% | 6.15% | +0.1% |
| FHA | 6.5% | 6.25% | +0.25% |
| VA | 6.25% | 6.05% | +0.2% |
| Jumbo | 7.01% | 6.85% | +0.16% |
Moultrie Housing Market Overview
The Moultrie housing market offers relatively affordable housing compared to many major cities. The median household income in Moultrie is $59,500, and the cost of living index is 87.3 (national average = 100). Based on the 28% affordability rule, the median income in Moultrie is sufficient to afford the median-priced home.
Monthly Payment Breakdown for Moultrie
Based on the median home price of $229,000 with 20% down ($45,800), here is what you can expect to pay monthly in Moultrie:
15-Year vs. 30-Year Mortgage in Moultrie
Choosing a 15-year mortgage in Moultrie at 6% instead of a 30-year at 6.76% would save you $149,760 in total interest over the life of the loan. However, your monthly payment would be $1,546 instead of $1,189 — an increase of $357 per month.
Calculate Your Moultrie 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 Moultrie
What are the current mortgage rates in Moultrie, GA?
As of March 2026, the average 30-year fixed mortgage rate in Moultrie, Georgia is 6.76%, while the 15-year fixed rate is 6%. FHA loans average 6.5% and VA loans 6.25%. These rates are 0.11% above the national average of 6.65%.
How much is a monthly mortgage payment in Moultrie?
Based on the median home price of $229,000 with 20% down, the estimated monthly mortgage payment in Moultrie is $1,189 for principal and interest. Including property taxes of $172/month, the total monthly housing cost is approximately $1,361.
What income do I need to buy a home in Moultrie?
Using the 28% rule, you would need an annual income of approximately $58,329 to afford the median-priced home in Moultrie at $229,000. The median household income in Moultrie is $59,500. The median income is currently sufficient to meet this threshold.
Is Moultrie a good place to buy a home in 2026?
Moultrie offers a below-average cost of living with a cost of living index of 87.3 (national average = 100). The property tax rate in Georgia is 0.9%, which is near the national average. Moultrie has a population of 14,268 and offers a very affordable 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 Moultrie, Georgia area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.