The rate in context
On a $400,000 home, 0.79% means roughly $3,160 per year in property tax, escrowed monthly, so it lands directly in your payment and your debt-to-income ratio.
Exemptions and notes
Property is assessed at 40% of fair market value. Several counties offer floating homestead exemptions that freeze the taxable value of a primary residence.
Sources: Tax Foundation 2026 (2024 ACS); NAR/NCSL transfer tax table. County-level rates vary; your county page has local detail.
Counties in Georgia
Loan limits by county · Georgia overview
FAQ
What is the average property tax rate in Georgia?
The average effective property tax rate in Georgia is about 0.79%, per Tax Foundation 2026 (2024 ACS); NAR/NCSL transfer tax table. Individual counties vary above and below that average.
How do Georgia property taxes affect my mortgage?
Taxes are escrowed into your monthly payment, so a higher rate directly reduces how much house you qualify for. Property is assessed at 40% of fair market value. Several counties offer floating homestead exemptions that freeze the taxable value of a primary residence.