The typical owner-occupied home in Cartersville is worth about $338,200, 12% above the Georgia median of $303,300 and about the same as the national median of $332,700. Owners pay a median $2,539 a year in property taxes, about 0.75% of their home's value, close to the Georgia rate of 0.77%. The median household earns $84,437 a year, so the median home costs 4.0 times the median income (3.9 times for Georgia). 59% of occupied homes here are lived in by their owners, and 67% of those owners still have a mortgage.
Cartersville at a glance
| Cartersville | Georgia | U.S. | |
|---|---|---|---|
| Median home value | $338,200 | $303,300 | $332,700 |
| Median property tax paid per year | $2,539 | $2,341 | $3,119 |
| Property tax as a share of value | 0.75% | 0.77% | 0.94% |
| Median household income | $84,437 | $77,353 | $80,734 |
| Homes lived in by their owners | 59% | 66% | 65% |
| Owner homes with a mortgage | 67% | 63% | 61% |
| Median monthly costs, owners with a mortgage | $1,915 | $1,783 | $1,963 |
| Those costs as a share of the owners' income | 21.5% | 20.0% | 21.0% |
| Median rent | $1,229 | $1,393 | $1,413 |
| Rent as a share of renters' income | 26.1% | 31.3% | 30.6% |
| Median year homes were built | 1990 | 1992 | 1980 |
| Vacant homes | 9.2% | 10.3% | 10.1% |
| Population | 24,074 | 10,940,407 | 334,922,499 |
What a typical home costs per month in Cartersville
At this week's average 30-year rate of 7.11%, buying the median Cartersville home of $338,200 with 20% down costs about $2,172 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $2,736, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $93,101 for the 20%-down payment. That payment is 31% of the median Cartersville household income of $84,437; at that income and 20% down, the 28% guideline points to a home of about $307,000.
The median rent here is $1,229 a month, so owning the median home costs about $943 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $67,640 |
|---|---|
| Loan amount | $270,560 |
| Principal and interest | $1,820 |
| Property taxes (0.75% a year) | $211 |
| Homeowners insurance (our estimate, 0.5% a year) | $141 |
| PMI | $0 |
| Total per month | $2,172 |
Change the numbers in the calculator
| Down payment | $11,837 |
|---|---|
| Loan amount | $332,074 |
| Principal and interest | $2,234 |
| Property taxes (0.75% a year) | $211 |
| Homeowners insurance (our estimate, 0.5% a year) | $141 |
| FHA mortgage insurance | $150 |
| Total per month | $2,736 |
Change the numbers in the calculator
Questions about home buying in Cartersville
What is the median home value in Cartersville?
About $338,200 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Cartersville?
Homeowners pay a median $2,539 a year, which is about 0.75% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Cartersville?
For the median home with 20% down at 7.11%, the payment is about $2,172 a month. Keeping that under 28% of gross income takes about $93,101 a year.
More about Cartersville
- Mortgage Refinance in Cartersville
- Debt Relief in Cartersville
- Home Equity Loans in Cartersville
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data