Georgia Property Tax Calculator
Calculate property taxes in Georgia. GA effective property tax rate is 0.83% with a median home value of $320,000. Includes GA assessment ratios and exemptions.
Georgia at a Glance
$320,000
Median Home Price
0.83%
Property Tax Rate
$2,400
Avg Home Insurance
$472,030
FHA Loan Limit
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Reviewed & Methodology
Every calculator is built using industry-standard formulas, validated against authoritative sources, and reviewed by a credentialed financial professional. State-specific data is sourced from official government publications.
Property Tax Calculator in Georgia
The median home price in Georgia is $320,000, which is 24% below the national average of $420,000. Georgia's effective property tax rate of 0.83% is 0.27 percentage points lower than the national average of 1.1%.
| Metric | Georgia (GA) | National Avg | vs National Average |
|---|---|---|---|
| Median Home Price | $320,000 | $420,000 | -24% |
| Property Tax Rate | 0.83% | 1.1% | -0.27% |
| Home Insurance (Annual) | $2,400 | $2,300 | +4% |
| State Sales Tax | 4% | 5% | -1.0% |
| FHA Loan Limit | $472,030 | $472,030 | Standard |
| Conforming Loan Limit | $766,550 | $766,550 | Standard |
Homeownership in Georgia
Georgia's housing market is dominated by the Atlanta metro, which has been one of the fastest-growing large metros in the country and where prices have risen sharply from pre-pandemic levels. The statewide median sits around $320,000, but the Atlanta suburban ring -- Alpharetta, Marietta, Johns Creek -- skews much higher. Property taxes are moderate at 0.83%, and Georgia taxes only 40% of assessed value for residential property in most jurisdictions.
Tips for Georgia Homebuyers and Homeowners
- Georgia's property tax uses a 40% assessment ratio, meaning your tax bill is calculated on 40% of appraised value -- on a $320,000 home, the taxable value is $128,000 before exemptions.
- The Homestead Exemption varies by county but starts at $2,000 off assessed value at the state level; many counties offer additional local exemptions that can be substantial.
- Atlanta property taxes vary dramatically by city vs. unincorporated county -- homes in the City of Atlanta often face a combined millage rate nearly double that of Cobb County properties at the same price point.
- Georgia has a flat 5.49% income tax rate (as of 2024, phasing toward 4.99%) and does not tax Social Security income for residents under certain income thresholds.
Georgia Programs and Assistance
- Georgia Dream Homeownership Program -- the state's flagship first mortgage program offering below-market rates and down payment assistance up to $10,000.
- Georgia Dream PEN Program -- targets buyers who are public protectors (law enforcement, educators, nurses) with $7,500 in down payment assistance.
- Atlanta Neighborhood Development Partnership (ANDP) -- provides down payment assistance and affordable mortgage products for buyers purchasing in Atlanta metro communities.
Did you know? The Atlanta metro added more than 75,000 residents per year between 2020 and 2023, making it consistently one of the top migration destinations in the Southeast.