The typical owner-occupied home in Berrien County is worth about $131,600, 57% below the Georgia median of $303,300 and 60% below the national median of $332,700. Owners pay a median $1,130 a year in property taxes, about 0.86% of their home's value, higher than the Georgia rate of 0.77%. The median household earns $52,876 a year, so the median home costs 2.5 times the median income (3.9 times for Georgia). 71% of occupied homes here are lived in by their owners, and 47% of those owners still have a mortgage.
Berrien County at a glance
| Berrien County | Georgia | U.S. | |
|---|---|---|---|
| Median home value | $131,600 | $303,300 | $332,700 |
| Median property tax paid per year | $1,130 | $2,341 | $3,119 |
| Property tax as a share of value | 0.86% | 0.77% | 0.94% |
| Median household income | $52,876 | $77,353 | $80,734 |
| Homes lived in by their owners | 71% | 66% | 65% |
| Owner homes with a mortgage | 47% | 63% | 61% |
| Median monthly costs, owners with a mortgage | $1,163 | $1,783 | $1,963 |
| Those costs as a share of the owners' income | 18.1% | 20.0% | 21.0% |
| Median rent | $782 | $1,393 | $1,413 |
| Rent as a share of renters' income | 27.9% | 31.3% | 30.6% |
| Median year homes were built | 1989 | 1992 | 1980 |
| Vacant homes | 13.0% | 10.3% | 10.1% |
| Population | 18,352 | 10,940,407 | 334,922,499 |
What a typical home costs per month in Berrien County
At this week's average 30-year rate of 7.11%, buying the median Berrien County home of $131,600 with 20% down costs about $857 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,077, 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 $36,745 for the 20%-down payment. That payment is 19% of the median Berrien County household income of $52,876; at that income and 20% down, the 28% guideline points to a home of about $189,000.
The median rent here is $782 a month, so owning the median home costs about $75 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $26,320 |
|---|---|
| Loan amount | $105,280 |
| Principal and interest | $708 |
| Property taxes (0.86% a year) | $94 |
| Homeowners insurance (our estimate, 0.5% a year) | $55 |
| PMI | $0 |
| Total per month | $857 |
Change the numbers in the calculator
| Down payment | $4,606 |
|---|---|
| Loan amount | $129,216 |
| Principal and interest | $869 |
| Property taxes (0.86% a year) | $94 |
| Homeowners insurance (our estimate, 0.5% a year) | $55 |
| FHA mortgage insurance | $58 |
| Total per month | $1,077 |
Change the numbers in the calculator
Questions about home buying in Berrien County
What is the median home value in Berrien County?
About $131,600 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Berrien County?
Homeowners pay a median $1,130 a year, which is about 0.86% 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 Berrien County?
For the median home with 20% down at 7.11%, the payment is about $857 a month. Keeping that under 28% of gross income takes about $36,745 a year.
More about Berrien County
- Mortgage Refinance in Berrien County
- Debt Relief in Berrien County
- Home Equity Loans in Berrien County
- 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