Georgia mortgage rates and costs by county, 2025
Median figures from closed, first-lien, owner-occupied home loans reported under HMDA. Each county page breaks the numbers down by lender. Counties with fewer than 5 qualifying loans are not listed; see the methodology.
| County | Purchase loans | Median rate | Median total costs | Refinance rate |
|---|---|---|---|---|
| Fulton County | 10,327 | 6.375% | $8,300 | 6.125% |
| Gwinnett County | 8,779 | 6.375% | $8,573 | 6.125% |
| Cobb County | 7,677 | 6.49% | $7,667 | 6.125% |
| DeKalb County | 6,610 | 6.375% | $7,786 | 6.125% |
| Cherokee County | 3,564 | 6.5% | $7,499 | 6.125% |
| Chatham County | 3,347 | 6.25% | $7,757 | 6.125% |
| Forsyth County | 3,304 | 6.375% | $6,721 | 6.125% |
| Henry County | 3,288 | 6.181% | $10,132 | 6.125% |
| Paulding County | 2,589 | 6.25% | $8,949 | 6.125% |
| Hall County | 2,315 | 6.375% | $8,515 | 6.125% |
| Columbia County | 2,312 | 6.25% | $7,805 | 5.999% |
| Houston County | 2,243 | 6.25% | $7,279 | 5.99% |
| Clayton County | 1,958 | 6.375% | $9,339 | 6.25% |
| Coweta County | 1,945 | 6.375% | $8,054 | 6.125% |
| Jackson County | 1,677 | 6.375% | $9,291 | 6.25% |
| Douglas County | 1,611 | 6.25% | $9,832 | 6.125% |
| Barrow County | 1,594 | 6.125% | $9,819 | 6.125% |
| Bartow County | 1,546 | 6.375% | $8,107 | 6.25% |
| Richmond County | 1,541 | 6.375% | $6,387 | 6.125% |
| Carroll County | 1,493 | 6.375% | $8,722 | 6.25% |
| Muscogee County | 1,484 | 6.375% | $6,767 | 6.125% |
| Lowndes County | 1,343 | 6.25% | $7,522 | 6.125% |
| Fayette County | 1,286 | 6.5% | $8,179 | 6.125% |
| Newton County | 1,249 | 6.25% | $9,824 | 6.125% |
| Walton County | 1,241 | 6.495% | $9,486 | 6.25% |
| Bibb County | 1,167 | 6.49% | $6,785 | 6.25% |
| Rockdale County | 1,074 | 6.25% | $10,733 | 6.125% |
| Liberty County | 1,036 | 6.375% | $8,027 | 5.99% |
| Effingham County | 1,035 | 6.375% | $8,535 | 6.125% |
| Camden County | 1,010 | 6.25% | $8,128 | 5.99% |
| Bryan County | 926 | 6.25% | $7,044 | 5.99% |
| Floyd County | 926 | 6.49% | $7,424 | 6.312% |
| Glynn County | 855 | 6.375% | $7,664 | 6.125% |
| Catoosa County | 784 | 6.5% | $7,167 | 6.25% |
| Spalding County | 765 | 6.375% | $7,566 | 6.125% |
| Whitfield County | 765 | 6.5% | $7,611 | 6.375% |
| Walker County | 754 | 6.375% | $7,377 | 6.25% |
| Troup County | 728 | 6.375% | $8,540 | 6.25% |
| Clarke County | 700 | 6.375% | $7,065 | 6.25% |
| Bulloch County | 667 | 6.5% | $7,576 | 6.125% |
| Gordon County | 647 | 6.375% | $8,195 | 6.25% |
| Dawson County | 635 | 6.25% | $8,488 | 6.25% |
| Long County | 542 | 6.375% | $8,261 | 5.875% |
| Habersham County | 513 | 6.562% | $7,886 | 6.125% |
| Pickens County | 495 | 6.5% | $8,153 | 6.25% |
| Oconee County | 450 | 6.375% | $7,064 | 6.25% |
| Harris County | 419 | 6.49% | $7,630 | 6.25% |
| Haralson County | 395 | 6.5% | $8,163 | 6.25% |
| Dougherty County | 367 | 6.5% | $6,612 | 6.25% |
| Lee County | 363 | 6.375% | $8,048 | 6.125% |
| Polk County | 361 | 6.49% | $7,706 | 6.375% |
| Lumpkin County | 356 | 6.625% | $7,572 | 6.25% |
| Thomas County | 353 | 6.5% | $7,244 | 6.25% |
| Laurens County | 349 | 6.49% | $7,264 | 6.219% |
| Gilmer County | 341 | 6.5% | $6,585 | 6.25% |
| Murray County | 334 | 6.49% | $7,633 | 6.375% |
| Monroe County | 316 | 6.599% | $8,280 | 6.25% |
| Stephens County | 312 | 6.5% | $8,133 | 6.24% |
| White County | 308 | 6.514% | $7,781 | 6.375% |
| Madison County | 300 | 6.5% | $9,266 | 6.25% |
| Union County | 297 | 6.5% | $6,482 | 6.25% |
| Wayne County | 295 | 6.624% | $7,305 | 6.25% |
| Putnam County | 285 | 6.375% | $8,263 | 5.99% |
| Jones County | 261 | 6.5% | $7,121 | 6.25% |
| Butts County | 258 | 6.375% | $8,704 | 6.375% |
| Peach County | 250 | 6.25% | $7,408 | 6.125% |
| Hart County | 248 | 6.625% | $7,615 | 6.25% |
| Banks County | 243 | 6.5% | $9,406 | 6.25% |
| Lamar County | 242 | 6.375% | $7,852 | 6.125% |
| Tift County | 242 | 6.433% | $7,899 | 6.22% |
| Greene County | 240 | 6.5% | $7,827 | 6.188% |
| Ware County | 237 | 6.625% | $6,235 | 6.25% |
| Jasper County | 236 | 6.562% | $8,908 | 6.45% |
| Franklin County | 226 | 6.575% | $8,524 | 6.375% |
| Fannin County | 220 | 6.5% | $7,805 | 6.25% |
| Colquitt County | 219 | 6.625% | $6,760 | 6.375% |
| Pierce County | 214 | 6.5% | $6,971 | 6.374% |
| Morgan County | 214 | 6.5% | $8,423 | 6.25% |
| Meriwether County | 211 | 6.5% | $7,471 | 6.25% |
| Baldwin County | 210 | 6.5% | $7,374 | 6.25% |
| Pike County | 210 | 6.49% | $7,954 | 6.25% |
| Upson County | 199 | 6.375% | $8,099 | 6.25% |
| McDuffie County | 182 | 6.25% | $7,760 | 6.25% |
| McIntosh County | 172 | 6.562% | $7,011 | 6.375% |
| Tattnall County | 168 | 6.625% | $7,766 | 6.312% |
| Brantley County | 163 | 6.625% | $7,893 | 6.375% |
| Coffee County | 162 | 6.5% | $6,933 | 6.375% |
| Decatur County | 162 | 6.25% | $8,323 | 6.25% |
| Berrien County | 160 | 6.375% | $7,287 | 6.125% |
| Burke County | 156 | 6.5% | $7,455 | 5.995% |
| Chattooga County | 151 | 6.5% | $7,062 | 6.25% |
| Oglethorpe County | 142 | 6.375% | $7,835 | 6.125% |
| Grady County | 139 | 6.5% | $6,391 | 6.25% |
| Lanier County | 134 | 6.49% | $7,658 | 6.062% |
| Dade County | 132 | 6.625% | $6,571 | 6.25% |
| Elbert County | 132 | 6.625% | $6,746 | 6.25% |
| Cook County | 127 | 6.625% | $7,186 | 6.375% |
| Sumter County | 124 | 6.625% | $5,064 | 6.495% |
| Towns County | 123 | 6.5% | $6,470 | 6.25% |
| Heard County | 122 | 6.624% | $8,634 | 6.25% |
| Rabun County | 118 | 6.5% | $6,956 | 6.188% |
| Toombs County | 113 | 6.75% | $7,007 | 6.375% |
| Appling County | 109 | 7.25% | $6,930 | 6.5% |
| Worth County | 106 | 6.75% | $7,044 | 6.25% |
| Charlton County | 100 | 6.75% | $7,755 | 6.49% |
| Emanuel County | 97 | 6.995% | $7,040 | 6.25% |
| Bleckley County | 96 | 6.495% | $6,001 | 6.25% |
| Pulaski County | 94 | 6.25% | $7,827 | 6.188% |
| Candler County | 88 | 6.5% | $7,305 | 6.12% |
| Crisp County | 86 | 6.375% | $5,851 | 6% |
| Brooks County | 85 | 6.5% | $7,593 | 6.375% |
| Mitchell County | 83 | 6.625% | $7,477 | 6.058% |
| Jefferson County | 79 | 6.688% | $7,103 | 6.312% |
| Crawford County | 79 | 6.75% | $7,013 | 6.312% |
| Dodge County | 76 | 6.625% | $6,663 | 6.25% |
| Ben Hill County | 75 | 6.375% | $7,231 | 6.312% |
| Screven County | 74 | 6.75% | $6,841 | 6.562% |
| Washington County | 74 | 6.433% | $7,013 | 6% |
| Jeff Davis County | 72 | 6.625% | $7,016 | 6.25% |
| Lincoln County | 70 | 6.625% | $7,372 | 6.375% |
| Wilkes County | 65 | 6.5% | $6,305 | 6.25% |
| Wilkinson County | 59 | 6.625% | $6,607 | 6.375% |
| Evans County | 51 | 6.75% | $7,529 | 5.994% |
| Marion County | 49 | 6.99% | $7,226 | 6.25% |
| Seminole County | 45 | 6.5% | $5,651 | 6.375% |
| Terrell County | 44 | 6.625% | $5,870 | 6% |
| Jenkins County | 43 | 6.553% | $6,431 | 6.188% |
| Bacon County | 43 | 7% | $6,076 | 6.75% |
| Turner County | 43 | 6.625% | $6,494 | 5.75% |
| Dooly County | 42 | 6.537% | $5,158 | 6.499% |
| Montgomery County | 41 | 6.55% | $8,015 | 6.495% |
| Schley County | 37 | 6.875% | $6,348 | 6.25% |
| Hancock County | 37 | 7% | $7,163 | 5.99% |
| Clinch County | 36 | 6.938% | $8,367 | 6.933% |
| Johnson County | 36 | 6.5% | $6,104 | 6.375% |
| Irwin County | 36 | 6.5% | $6,091 | 6.438% |
| Early County | 36 | 6.875% | $6,489 | 6.5% |
| Talbot County | 35 | 6.25% | $7,505 | 6.125% |
| Macon County | 34 | 7.058% | $6,969 | 6.275% |
| Twiggs County | 30 | 6.75% | $6,786 | 6.375% |
| Taylor County | 29 | 6.875% | $6,093 | 6.49% |
| Wilcox County | 26 | 6.625% | $6,370 | 6.5% |
| Telfair County | 26 | 6.812% | $6,111 | 6.25% |
| Miller County | 25 | 6.562% | $6,274 | 6.25% |
| Wheeler County | 25 | 6.875% | $7,559 | 6.375% |
| Atkinson County | 25 | 7.745% | $6,425 | 5.99% |
| Treutlen County | 22 | 7% | $7,725 | 6.5% |
| Randolph County | 21 | 7.25% | $6,154 | 6.25% |
| Chattahoochee County | 20 | 6.562% | $7,198 | 6.625% |
| Glascock County | 19 | 6.562% | $7,527 | 6.625% |
| Warren County | 17 | 6.49% | $7,468 | 6.625% |
| Quitman County | 17 | 7.125% | $5,651 | 6.99% |
| Stewart County | 16 | 6.625% | $8,228 | 6.12% |
| Calhoun County | 14 | 6.625% | $4,706 | 6.499% |
| Webster County | 14 | 8.745% | $6,854 | 6.124% |
| Echols County | 13 | 7.645% | $5,649 | 6.058% |
| Clay County | 8 | 6.75% | $7,069 | 6.625% |
| Taliaferro County | 6 | 6.624% | $6,628 | n/a |
| Baker County | 5 | 7.25% | $7,242 | n/a |
Purchase loans sorted by loan count. Medians describe what closed loans looked like, under those borrowers' profiles and loan sizes; they are not quotes. Source: FFIEC HMDA Modified LAR, filing year 2025.