Mortgage Rates in Woodstock, Georgia — March 2026
Updated March 2026 | Based on Woodstock market data and regional lending conditions
Woodstock is a growing city in Georgia with a population of 34,429. The current 30-year fixed mortgage rate in Woodstock is 6.7%, which is 0.05% above the national average. With a median home price of $375,000 and a 20% down payment of $75,000, homebuyers can expect a monthly principal and interest payment of approximately $1,936.
Current Mortgage Rates in Woodstock, GA
Below are the current average mortgage rates available in the Woodstock 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% |
Woodstock Housing Market Overview
The Woodstock housing market reflects moderate demand with prices near the national average. The median household income in Woodstock is $82,250, and the cost of living index is 97.5 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $95,314 to comfortably afford the median-priced home in Woodstock, which exceeds the current median household income.
Monthly Payment Breakdown for Woodstock
Based on the median home price of $375,000 with 20% down ($75,000), here is what you can expect to pay monthly in Woodstock:
15-Year vs. 30-Year Mortgage in Woodstock
Choosing a 15-year mortgage in Woodstock at 5.94% instead of a 30-year at 6.7% would save you $243,000 in total interest over the life of the loan. However, your monthly payment would be $2,522 instead of $1,936 — an increase of $586 per month.
Calculate Your Woodstock Mortgage Payment
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Open Free CalculatorFrequently Asked Questions About Mortgages in Woodstock
What are the current mortgage rates in Woodstock, GA?
As of March 2026, the average 30-year fixed mortgage rate in Woodstock, 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 Woodstock?
Based on the median home price of $375,000 with 20% down, the estimated monthly mortgage payment in Woodstock is $1,936 for principal and interest. Including property taxes of $288/month, the total monthly housing cost is approximately $2,224.
What income do I need to buy a home in Woodstock?
Using the 28% rule, you would need an annual income of approximately $95,314 to afford the median-priced home in Woodstock at $375,000. The median household income in Woodstock is $82,250. This means most households would need to either earn above the median or consider homes below $375,000.
Is Woodstock a good place to buy a home in 2026?
Woodstock offers a below-average cost of living with a cost of living index of 97.5 (national average = 100). The property tax rate in Georgia is 0.92%, which is near the national average. Woodstock has a population of 34,429 and offers a balanced 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 Woodstock, Georgia area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.