Georgia Mortgage Calculator
Estimate your monthly mortgage payment including taxes and insurance.
- Free
- No signup required
- Updated for 2026
Use our free Georgia mortgage calculator to estimate your monthly payment including principal, interest, property taxes, and insurance. See a full amortization schedule and compare different loan terms. Rates vary by county; we use a statewide average for estimates.
Loan details
Rates vary by county. This is an estimated statewide average.
Monthly payment
$2,029.91
- Principal & interest$1,668.66
- Property tax$261.25
- Insurance$100.00
Loan amount: $264,000 · Total interest: $336,717
Monthly breakdown
Amortization schedule
| Month | Payment | Principal | Interest | Balance |
|---|---|---|---|---|
| 1 | $1,668.66 | $238.66 | $1,430.00 | $263,761.34 |
| 2 | $1,668.66 | $239.95 | $1,428.71 | $263,521.39 |
| 3 | $1,668.66 | $241.25 | $1,427.41 | $263,280.14 |
| 4 | $1,668.66 | $242.56 | $1,426.10 | $263,037.58 |
| 5 | $1,668.66 | $243.87 | $1,424.79 | $262,793.70 |
| 6 | $1,668.66 | $245.19 | $1,423.47 | $262,548.51 |
| 7 | $1,668.66 | $246.52 | $1,422.14 | $262,301.99 |
| 8 | $1,668.66 | $247.86 | $1,420.80 | $262,054.13 |
| 9 | $1,668.66 | $249.20 | $1,419.46 | $261,804.93 |
| 10 | $1,668.66 | $250.55 | $1,418.11 | $261,554.38 |
| 11 | $1,668.66 | $251.91 | $1,416.75 | $261,302.48 |
| 12 | $1,668.66 | $253.27 | $1,415.39 | $261,049.20 |
| 13 | $1,668.66 | $254.64 | $1,414.02 | $260,794.56 |
| 14 | $1,668.66 | $256.02 | $1,412.64 | $260,538.54 |
| 15 | $1,668.66 | $257.41 | $1,411.25 | $260,281.13 |
| 16 | $1,668.66 | $258.80 | $1,409.86 | $260,022.33 |
| 17 | $1,668.66 | $260.21 | $1,408.45 | $259,762.12 |
| 18 | $1,668.66 | $261.61 | $1,407.04 | $259,500.51 |
| 19 | $1,668.66 | $263.03 | $1,405.63 | $259,237.47 |
| 20 | $1,668.66 | $264.46 | $1,404.20 | $258,973.02 |
| 21 | $1,668.66 | $265.89 | $1,402.77 | $258,707.13 |
| 22 | $1,668.66 | $267.33 | $1,401.33 | $258,439.80 |
| 23 | $1,668.66 | $268.78 | $1,399.88 | $258,171.02 |
| 24 | $1,668.66 | $270.23 | $1,398.43 | $257,900.79 |
Showing rows 1–24 of 360
Frequently asked questions
Property tax rates in Georgia vary by county. This calculator uses a statewide average as the default; you can change the rate in the form. Check your county assessor for exact rates.
Enter your home price, down payment, interest rate, and loan term. We pre-fill Georgia's typical property tax rate. Add your annual insurance and any HOA fees. The calculator shows your total monthly payment and a full amortization schedule.
Principal and interest are calculated with the standard amortization formula. Property tax and insurance are estimates. This tool is for planning only and does not constitute financial advice.
Georgia Mortgage Overview
Georgia has grown rapidly, with strong markets in Atlanta and surrounding areas. Property tax rates are moderate, often in the 0.80%–1.05% range. Use this calculator to estimate your monthly mortgage payment in Georgia including property tax and insurance.
Average Property Tax in Georgia
Property taxes in Georgia are set by counties and cities. Homestead exemptions can reduce the taxable value for primary residences. We use a statewide average in the calculator; you can adjust the rate for your county if you have a better estimate.
Affordability in Georgia
Home prices in Georgia are often below the national median in many suburbs and smaller cities. Use the calculator to see how different down payments and loan terms affect your monthly payment and total interest paid over the life of the loan.
Tips for Georgia Buyers
- Check your county tax commissioner or assessor for local rates and exemptions.
- Homeowners insurance can be higher in areas prone to storms; use a realistic annual figure.
- Add HOA fees in the optional field if you are looking at a condo or planned community.
- Compare 15-year and 30-year terms using the amortization table to see interest savings.
This calculator provides estimates only. For exact figures, consult a licensed lender and your local tax office.