Income needed to buy a home
Richmond County, GA
$65,410
a year in household income to buy the typical Richmond County home with 10% down.
The monthly math
Typical home value$195,343
Down payment (10%)$19,534
Loan$175,809
Principal and interest (7.40%)$1,217/mo
Property tax (0.85% a year)$138/mo
Homeowners insurance (estimate)$98/mo
Mortgage insurance$73/mo
Total monthly cost$1,526/mo
Income needed keeps housing at 28% of gross income, the lender rule of thumb.
What locals earn
A stretch
The typical household here earns $55,637 a year, 85% of what it takes.
In Georgia
Richmond County ranks #71 of 159 for the income a home takes, from least to most.
Easiest to afford in Georgia
| County | Typical home | Income needed |
|---|---|---|
| Stewart County | $79,638 | $26,914 |
| Calhoun County | $92,690 | $30,739 |
| Twiggs County | $105,851 | $33,554 |
| Randolph County | $99,709 | $33,765 |
| Macon County | $105,727 | $36,373 |
Typical home value from the Zillow Home Value Index, August 2026. Rate is the Freddie Mac 30-year average for Oct 8, 2026. Property tax rate is total taxes paid divided by total home value in the county (U.S. Census, ACS 2020-2024). How it works.