Mortgage Rates in Stonecrest, Georgia — March 2026
Updated March 2026 | Based on Stonecrest market data and regional lending conditions
Stonecrest is a growing city in Georgia with a population of 59,073. The current 30-year fixed mortgage rate in Stonecrest is 6.68%, which is 0.03% above the national average. With a median home price of $304,000 and a 20% down payment of $60,800, homebuyers can expect a monthly principal and interest payment of approximately $1,566.
Current Mortgage Rates in Stonecrest, GA
Below are the current average mortgage rates available in the Stonecrest 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 | 6.68% | 6.65% | +0.03% |
| 15-Year Fixed | 5.93% | 5.89% | +0.04% |
| 5/1 ARM | 6.21% | 6.15% | +0.06% |
| FHA | 6.46% | 6.25% | +0.21% |
| VA | 6.21% | 6.05% | +0.16% |
| Jumbo | 6.93% | 6.85% | +0.08% |
Stonecrest Housing Market Overview
The Stonecrest housing market reflects moderate demand with prices near the national average. The median household income in Stonecrest is $65,900, and the cost of living index is 94.4 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $77,229 to comfortably afford the median-priced home in Stonecrest, which exceeds the current median household income.
Monthly Payment Breakdown for Stonecrest
Based on the median home price of $304,000 with 20% down ($60,800), here is what you can expect to pay monthly in Stonecrest:
15-Year vs. 30-Year Mortgage in Stonecrest
Choosing a 15-year mortgage in Stonecrest at 5.93% instead of a 30-year at 6.68% would save you $196,020 in total interest over the life of the loan. However, your monthly payment would be $2,043 instead of $1,566 — an increase of $477 per month.
Calculate Your Stonecrest 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 Stonecrest
What are the current mortgage rates in Stonecrest, GA?
As of March 2026, the average 30-year fixed mortgage rate in Stonecrest, Georgia is 6.68%, while the 15-year fixed rate is 5.93%. FHA loans average 6.46% and VA loans 6.21%. These rates are 0.03% above the national average of 6.65%.
How much is a monthly mortgage payment in Stonecrest?
Based on the median home price of $304,000 with 20% down, the estimated monthly mortgage payment in Stonecrest is $1,566 for principal and interest. Including property taxes of $236/month, the total monthly housing cost is approximately $1,802.
What income do I need to buy a home in Stonecrest?
Using the 28% rule, you would need an annual income of approximately $77,229 to afford the median-priced home in Stonecrest at $304,000. The median household income in Stonecrest is $65,900. This means most households would need to either earn above the median or consider homes below $304,000.
Is Stonecrest a good place to buy a home in 2026?
Stonecrest offers a below-average cost of living with a cost of living index of 94.4 (national average = 100). The property tax rate in Georgia is 0.93%, which is near the national average. Stonecrest has a population of 59,073 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 Stonecrest, Georgia area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.