Georgia Mortgage Rates (2026)

Current average mortgage rates, median home prices, and top lenders in Georgia. Rates apply to primary residence purchases with good credit (740+).

30yr Fixed

7.03%

Avg APR

15yr Fixed

6.43%

Avg APR

Median Price

$330,000

Median home

Monthly P&I

$1,760

30yr at 80% LTV

Top Mortgage Lenders in Georgia

Rocket Mortgage

Online convenience

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30yr Fixed

15yr Fixed

6.4%

Min Down

Chase

Existing customers

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30yr Fixed

6.9%

15yr Fixed

6.3%

Min Down

Wells Fargo

Branch access

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30yr Fixed

7.1%

15yr Fixed

6.5%

Min Down

Bank of America

Preferred Rewards

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30yr Fixed

15yr Fixed

6.4%

Min Down

loanDepot

Low down payment

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30yr Fixed

6.9%

15yr Fixed

6.3%

Min Down

First-Time Buyer Programs in Georgia

✓Georgia Dream Homeownership Program
✓Georgia Dream Peach Plus
✓Atlanta BeltLine Loan Program

Mortgage Requirements in Georgia

•Min 640 credit score for Georgia Dream
•Income limits apply (varies by county)
•DTI under 45%

Georgia Housing Market Facts

Atlanta metro accounts for ~60% of all Georgia home sales.

Georgia Dream offers $10,000 down payment assistance.

Low property taxes (0.92% avg) keep carrying costs affordable.

Compare Mortgage Rates in Other States

Alabama7.05%Alaska7.12%Arizona7.02%Arkansas7.08%California6.95%Colorado7%Connecticut6.98%Delaware7%Florida7.05%Hawaii6.88%Idaho7%Illinois7.05%

View all 50 states →