The typical owner-occupied home in Girard is worth about $111,100, 63% below the Georgia median of $303,300 and 67% below the national median of $332,700. Owners pay a median $1,077 a year in property taxes, about 0.97% of their home's value, higher than the Georgia rate of 0.77%. The median household earns $66,250 a year, so the median home costs 1.7 times the median income (3.9 times for Georgia). 79% of occupied homes here are lived in by their owners, and 14% of those owners still have a mortgage.
Girard at a glance
| Girard | Georgia | U.S. | |
|---|---|---|---|
| Median home value | $111,100 | $303,300 | $332,700 |
| Median property tax paid per year | $1,077 | $2,341 | $3,119 |
| Property tax as a share of value | 0.97% | 0.77% | 0.94% |
| Median household income | $66,250 | $77,353 | $80,734 |
| Homes lived in by their owners | 79% | 66% | 65% |
| Owner homes with a mortgage | 14% | 63% | 61% |
| Median monthly costs, owners with a mortgage | – | $1,783 | $1,963 |
| Median rent | – | $1,393 | $1,413 |
| Median year homes were built | 1981 | 1992 | 1980 |
| Vacant homes | 64.1% | 10.3% | 10.1% |
| Population | 137 | 10,940,407 | 334,922,499 |
What a typical home costs per month in Girard
At this week's average 30-year rate of 7.11%, buying the median Girard home of $111,100 with 20% down costs about $734 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $919, 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 $31,457 for the 20%-down payment. That payment is 13% of the median Girard household income of $66,250; at that income and 20% down, the 28% guideline points to a home of about $234,000.
| Down payment | $22,220 |
|---|---|
| Loan amount | $88,880 |
| Principal and interest | $598 |
| Property taxes (0.97% a year) | $90 |
| Homeowners insurance (our estimate, 0.5% a year) | $46 |
| PMI | $0 |
| Total per month | $734 |
Change the numbers in the calculator
| Down payment | $3,888 |
|---|---|
| Loan amount | $109,088 |
| Principal and interest | $734 |
| Property taxes (0.97% a year) | $90 |
| Homeowners insurance (our estimate, 0.5% a year) | $46 |
| FHA mortgage insurance | $49 |
| Total per month | $919 |
Change the numbers in the calculator
Questions about home buying in Girard
What is the median home value in Girard?
About $111,100 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Girard?
Homeowners pay a median $1,077 a year, which is about 0.97% 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 Girard?
For the median home with 20% down at 7.11%, the payment is about $734 a month. Keeping that under 28% of gross income takes about $31,457 a year.
More about Girard
- Mortgage Refinance in Girard
- Debt Relief in Girard
- Home Equity Loans in Girard
- 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