Mortgage Rates in Pooler, Georgia — March 2026
Updated March 2026 | Based on Pooler market data and regional lending conditions
Pooler is a growing city in Georgia with a population of 30,580. The current 30-year fixed mortgage rate in Pooler is 6.7%, which is 0.05% above the national average. With a median home price of $315,000 and a 20% down payment of $63,000, homebuyers can expect a monthly principal and interest payment of approximately $1,626.
Current Mortgage Rates in Pooler, GA
Below are the current average mortgage rates available in the Pooler 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% |
Pooler Housing Market Overview
The Pooler housing market reflects moderate demand with prices near the national average. The median household income in Pooler is $62,250, and the cost of living index is 90.5 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $80,057 to comfortably afford the median-priced home in Pooler, which exceeds the current median household income.
Monthly Payment Breakdown for Pooler
Based on the median home price of $315,000 with 20% down ($63,000), here is what you can expect to pay monthly in Pooler:
15-Year vs. 30-Year Mortgage in Pooler
Choosing a 15-year mortgage in Pooler at 5.94% instead of a 30-year at 6.7% would save you $204,120 in total interest over the life of the loan. However, your monthly payment would be $2,118 instead of $1,626 — an increase of $492 per month.
Calculate Your Pooler 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 Pooler
What are the current mortgage rates in Pooler, GA?
As of March 2026, the average 30-year fixed mortgage rate in Pooler, 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 Pooler?
Based on the median home price of $315,000 with 20% down, the estimated monthly mortgage payment in Pooler is $1,626 for principal and interest. Including property taxes of $242/month, the total monthly housing cost is approximately $1,868.
What income do I need to buy a home in Pooler?
Using the 28% rule, you would need an annual income of approximately $80,057 to afford the median-priced home in Pooler at $315,000. The median household income in Pooler is $62,250. This means most households would need to either earn above the median or consider homes below $315,000.
Is Pooler a good place to buy a home in 2026?
Pooler offers a below-average cost of living with a cost of living index of 90.5 (national average = 100). The property tax rate in Georgia is 0.92%, which is near the national average. Pooler has a population of 30,580 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 Pooler, Georgia area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.