The typical owner-occupied home in Waverly is worth about $78,600, 74% below the Georgia median of $303,300 and 76% below the national median of $332,700. 100% of occupied homes here are lived in by their owners, and 48% of those owners still have a mortgage.
Waverly at a glance
| Waverly | Georgia | U.S. | |
|---|---|---|---|
| Median home value | $78,600 | $303,300 | $332,700 |
| Median property tax paid per year | – | $2,341 | $3,119 |
| Median household income | – | $77,353 | $80,734 |
| Homes lived in by their owners | 100% | 66% | 65% |
| Owner homes with a mortgage | 48% | 63% | 61% |
| Median monthly costs, owners with a mortgage | $1,650 | $1,783 | $1,963 |
| Those costs as a share of the owners' income | 23.0% | 20.0% | 21.0% |
| Median rent | – | $1,393 | $1,413 |
| Median year homes were built | 1990 | 1992 | 1980 |
| Vacant homes | 0.0% | 10.3% | 10.1% |
| Population | 106 | 10,940,407 | 334,922,499 |
What a typical home costs per month in Waverly
At this week's average 30-year rate of 7.11%, buying the median Waverly home of $78,600 with 20% down costs about $528 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $659, 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 $22,620 for the 20%-down payment.
| Down payment | $15,720 |
|---|---|
| Loan amount | $62,880 |
| Principal and interest | $423 |
| Property taxes (1.10% a year) | $72 |
| Homeowners insurance (our estimate, 0.5% a year) | $33 |
| PMI | $0 |
| Total per month | $528 |
Change the numbers in the calculator
| Down payment | $2,751 |
|---|---|
| Loan amount | $77,176 |
| Principal and interest | $519 |
| Property taxes (1.10% a year) | $72 |
| Homeowners insurance (our estimate, 0.5% a year) | $33 |
| FHA mortgage insurance | $35 |
| Total per month | $659 |
Change the numbers in the calculator
Questions about home buying in Waverly
What is the median home value in Waverly?
About $78,600 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 Waverly?
For the median home with 20% down at 7.11%, the payment is about $528 a month. Keeping that under 28% of gross income takes about $22,620 a year.
More about Waverly
- Mortgage Refinance in Waverly
- Debt Relief in Waverly
- Home Equity Loans in Waverly
- 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