The typical owner-occupied home in Waynesville is worth about $186,700, 38% below the Georgia median of $303,300 and 44% below the national median of $332,700. The median household earns $66,165 a year, so the median home costs 2.8 times the median income (3.9 times for Georgia). 100% of occupied homes here are lived in by their owners, and 37% of those owners still have a mortgage.
Waynesville at a glance
| Waynesville | Georgia | U.S. | |
|---|---|---|---|
| Median home value | $186,700 | $303,300 | $332,700 |
| Median property tax paid per year | – | $2,341 | $3,119 |
| Median household income | $66,165 | $77,353 | $80,734 |
| Homes lived in by their owners | 100% | 66% | 65% |
| Owner homes with a mortgage | 37% | 63% | 61% |
| Median monthly costs, owners with a mortgage | $1,414 | $1,783 | $1,963 |
| Those costs as a share of the owners' income | 9.0% | 20.0% | 21.0% |
| Median rent | – | $1,393 | $1,413 |
| Median year homes were built | 1981 | 1992 | 1980 |
| Vacant homes | 15.4% | 10.3% | 10.1% |
| Population | 906 | 10,940,407 | 334,922,499 |
What a typical home costs per month in Waynesville
At this week's average 30-year rate of 7.11%, buying the median Waynesville home of $186,700 with 20% down costs about $1,254 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,565, 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 $53,729 for the 20%-down payment. That payment is 23% of the median Waynesville household income of $66,165; at that income and 20% down, the 28% guideline points to a home of about $230,000.
| Down payment | $37,340 |
|---|---|
| Loan amount | $149,360 |
| Principal and interest | $1,005 |
| Property taxes (1.10% a year) | $171 |
| Homeowners insurance (our estimate, 0.5% a year) | $78 |
| PMI | $0 |
| Total per month | $1,254 |
Change the numbers in the calculator
| Down payment | $6,534 |
|---|---|
| Loan amount | $183,318 |
| Principal and interest | $1,233 |
| Property taxes (1.10% a year) | $171 |
| Homeowners insurance (our estimate, 0.5% a year) | $78 |
| FHA mortgage insurance | $83 |
| Total per month | $1,565 |
Change the numbers in the calculator
Questions about home buying in Waynesville
What is the median home value in Waynesville?
About $186,700 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
What income do you need to buy a home in Waynesville?
For the median home with 20% down at 7.11%, the payment is about $1,254 a month. Keeping that under 28% of gross income takes about $53,729 a year.
More about Waynesville
- Mortgage Refinance in Waynesville
- Debt Relief in Waynesville
- Home Equity Loans in Waynesville
- 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