Skip to main content
Advertiser Disclosure
We do receive compensation from some partners whose offers appear on this page. We have not reviewed all available products or offers. Compensation may impact the order in which offers appear on page, but our editorial opinions and ratings are not influenced by compensation.

The Ascent Logo The Ascent Logo - Blue circle with an A in it and the ascent a motley fool company to the right of that

  • Credit Cards
  • Banking
  • Brokerages
  • Loans
  • Mortgages
  • Knowledge
  • Latest Picks
  • Search Icon Click here to search

Credit Cards

Top Picks
  • Best of January 2021
  • Cash Back
  • Balance Transfer
  • Travel
  • 0% APR
  • Rewards
  • Bad Credit
Knowledge
  • Beginners Guide to Credit Cards
  • How to Rebuild Your Credit
  • Maximize Your Credit Card Rewards
  • Learn More About Credit Cards
Credit Card Tools
  • Compare Cards
Looking for a new credit card?

Explore the best credit cards in every category as of January 2021.

Get started!

Banking

Top Picks
  • Best Savings Accounts
  • Best Bank Accounts
  • Best Money Market Accounts
  • Best CDs
  • Best Checking Account Bonuses
Knowledge
  • Beginners Guide to Banking
  • Everything You Need to Know About Savings
  • Money Market Accounts Made Easy
  • Learn More About Banking
Looking for a place to park your cash?

Check out our top picks of the best online savings accounts for January 2021.

Get Started!

Brokerages

Top Picks
  • Best Brokers of January 2021
  • Best Online Brokers for Beginners
  • Best Options Brokers
  • Best IRA Accounts
  • Best Roth IRA Accounts
  • Best Robo Advisors
Knowledge
  • How to Open a Brokerage Account
  • Beginner's Guide to Brokerages
  • Learn More About Brokerage
Just getting started?

Explore our picks of the best brokerage accounts for beginners for January 2021.

Get Started!

Loans

Top Picks
  • Best Loans of January 2021
  • Best Personal Loans for Bad Credit
  • Best Loans for Debt Consolidation
  • Best Low-Interest Personal Loans
  • Best Personal Loans for Good Credit
  • Best Personal Loans for Fair Credit
Knowledge
  • Personal Loans Made Easy
  • Debt Consolidation Guide
  • How to Pay Off Debt
  • Learn More About Loans
Thinking about taking out a loan?

Before you apply for a personal loan, here's what you need to know.

Get Started!

Mortgages

Top Picks
  • Best Mortgage Lenders of January 2021
  • Best Mortgage Lenders for Poor Credit
  • Best Refinance Lenders
  • Best VA Mortgage Lenders
Knowledge
  • First Time Homebuyers Guide
  • Home Loans Made Easy
  • The Complete Guide to Refinancing
  • How to Get a Mortgage with Bad Credit
  • Learn More About Mortgages
Tools & Calculators
  • Mortgage Calculator
Compare Rates
  • Today's Mortgage Rates
  • Refinance Rates
  • 15-Year Mortgage Rates
  • 20-Year Mortgage Rates
  • 30-Year Mortgage Rates
  • Jumbo Mortgage Rates
  • VA Loan Rates
  • 5/1 ARM Rates
  • 7/1 ARM Rates
  • FHA Mortgage Rates

Knowledge

Knowledge Section
  • All Articles
  • Credit Card Articles
  • Banking Articles
  • Brokerage Articles
  • Personal Loan Articles
  • Mortgage Articles
  • Personal Finance Articles
Recent Articles
  • U.S. Citizens With Undocumented Spouses Can Get Stimulus Checks

    Personal Finance

    U.S. Citizens With Undocumented Spouses Can Get Stimulus Checks
  • Don't Accidentally Throw Away Your Stimulus Check

    Personal Finance

    Don't Accidentally Throw Away Your Stimulus Check
  • Stimulus Check Update: $1,400 Checks Now on the Table

    Personal Finance

    Stimulus Check Update: $1,400 Checks Now on the Table
  • Weekly Mortgage News Roundup for Jan. 15, 2021

    Mortgages

    Weekly Mortgage News Roundup for Jan. 15, 2021
  • The Ascent
  • Best Mortgage Lenders
  • Today's Mortgage Rates

Mortgage Rates in Georgia

January 15, 2021

The Ascent is reader-supported: we may earn a commission from offers on this page. It’s how we make money. But our editorial integrity ensures our experts’ opinions aren’t influenced by compensation.

If you're interested in becoming a homeowner in Georgia, be sure to look at today's mortgage rates in Georgia to get a sense of how much a home loan may cost you. It's vital to shop around across different lenders so you can get the best mortgage rates and terms for your financial profile.

Current Mortgage and Refinance Rates in Georgia

Rates As of Jan 15, 2021
Product Interest Rate Average Points/Credits
Fixed 30 Year 2.871% 0.144
Fixed 15 Year 2.187% 0.268
Fixed 30 Year - FHA 2.911% 0.092
Fixed 30 Year - VA 2.783% 0.263
Fixed 30 Year - Jumbo 3.031% -0.129
Fixed 30 Year 2.944% 0.260
Fixed 20 Year 2.794% 0.262
Fixed 15 Year 2.381% 0.218
Fixed 30 Year - FHA 2.807% 0.547
Fixed 30 Year - VA 2.630% 0.121
Fixed 30 Year - Jumbo 2.929% -0.098
The Ascent's Mortgage Rates Tracking Methodology

5 affordable places to live in Georgia:

All but one of these places are close to the Atlanta metropolitan area, which is otherwise known for expensive real estate.

1. Waycross

Part of Ware County, Waycross has a population of about 14,000. Most residents who live in this town are retirees, though the above-average schools draw families, too.There's a roughly equal percentage of owners and renters, and the median home value is $72,700 -- less than half the national median -- according to Niche. Property taxes are among the lowest in the country at 0.83% of a home's assessed fair market value, per Tax-Rates.org. However, the crime rate is average in the area.

2. Dublin

Near the middle of the state, Dublin has its own regional airport despite its small population of 16,000. The town offers decent employment opportunities, and most residents (around 59%) tend to rent. Homes cost a median of $97,600, and property taxes are some of the lowest in the U.S. at 0.63%. Families will love that the schools are highly rated, and Dublin has a diverse mix of residents.

3.Forest Park

If you're looking to live close to Atlanta, this suburb is as close as you'll get to finding affordable housing. Plus, it's about five miles east of the Hartsfield-Jackson International Airport and access to Interstates 75 and 185, making it convenient for commuters. The median home price is just $63,200, though most residents rent. Families make up the majority of the population, and there are many parks. However, public schools are only average, and crime and safety rates aren't high on Niche. Plus, property taxes are slightly higher at 0.88% of the home's assessed value.

4. Warner Robins

One of the larger towns on our list with a population of 75,000, Warner Robins has plenty of parks, an aviation museum, and an entertainment complex with plenty of indoor and outdoor activities for families. Most residents own their homes, which have a median value of $111,000. Warner Robins offers decent employment rates and has highly rated public schools, according to Niche. Property taxes are 0.86%.

5. Vidalia

Lots of families and young professionals live in this town with a population of 10,500. With a median home value of $118,000, more residents tend to rent than own. Vidalia has the lowest property taxes on our list, with homeowners paying only 0.59% of their home's fair market value. Schools are rated above-average, and residents love the small-town feel of the area.

Georgia's median home prices may be above the national average in more urban areas, but there are plenty of places where homeownership is attainable for the average American. Keep your housing costs down by finding the best rates available from mortgage lenders. Shopping around while working to improve your credit score can save you tens of thousands of dollars throughout the lifetime of your loan. Check out our mortgage calculator to help you estimate your monthly payment, including principal, interest, insurance, taxes, and PMI.

Select the state you want to see mortgage rates for:

Alabama mortgage rates Alaska mortgage rates Arizona mortgage rates Arkansas mortgage rates California mortgage rates Colorado mortgage rates Connecticut mortgage rates Washington DC mortgage rates Delaware mortgage rates Florida mortgage rates Georgia mortgage rates Hawaii mortgage rates Idaho mortgage rates Illinois mortgage rates Indiana mortgage rates Iowa mortgage rates Kansas mortgage rates Kentucky mortgage rates Louisiana mortgage rates Maine mortgage rates Maryland mortgage rates Massachusetts mortgage rates Michigan mortgage rates Minnesota mortgage rates Mississippi mortgage rates Missouri mortgage rates Montana mortgage rates Nebraska mortgage rates Nevada mortgage rates New Hampshire mortgage rates New Jersey mortgage rates New Mexico mortgage rates New York mortgage rates North Carolina mortgage rates North Dakota mortgage rates Ohio mortgage rates Oklahoma mortgage rates Oregon mortgage rates Pennsylvania mortgage rates Rhode Island mortgage rates South Carolina mortgage rates South Dakota mortgage rates Tennessee mortgage rates Texas mortgage rates Utah mortgage rates Vermont mortgage rates Virginia mortgage rates Washington mortgage rates West Virginia mortgage rates Wisconsin mortgage rates Wyoming mortgage rates

Check out more mortgage rates:

15-year mortgage rates

20-year mortgage rates

30-year mortgage rates

Refinance mortgage rates

FHA mortgage rates

Jumbo mortgage rates

VA loan rates

5/1 ARM rates

7/1 ARM rates

Like this page? Share it!

Blue Facebook Icon Share this website with Facebook
Blue Twitter Icon Share this website with Twitter
Blue LinkedIn Icon Share this website with LinkedIn
Blue Mail Icon Share this website by email

We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. The Ascent does not cover all offers on the market. Editorial content from The Ascent is separate from The Motley Fool editorial content and is created by a different analyst team.

The Ascent Logo

The Ascent is a Motley Fool service that rates and reviews essential products for your everyday money matters.

btn_facebook-yellow btn_twitter-yellow btn_instagram-yellow

Copyright © 2018 - 2021 The Ascent. All rights reserved.

About The Ascent
About Us Contact Us Newsroom How We Make Money Editorial Integrity Ratings Methodology
Legal
Terms of Use Privacy Policy Accessibility Policy Terms and Conditions Copyright, Trademark and Patent Information
Learn
Credit Cards Banking Brokerage Loans Recent Articles

By submitting your email address, you consent to us sending you money tips along with products and services that we think might interest you. You can unsubscribe at any time. Please read our Privacy Statement and Terms & Conditions.

Back to The Motley Fool