The typical owner-occupied home in Bluffton is worth about $161,300, 47% below the Georgia median of $303,300 and 52% below the national median of $332,700. Owners pay a median $3,188 a year in property taxes, about 1.98% of their home's value, higher than the Georgia rate of 0.77%. The median household earns $86,131 a year, so the median home costs 1.9 times the median income (3.9 times for Georgia). 84% of occupied homes here are lived in by their owners, and 43% of those owners still have a mortgage.
Bluffton at a glance
| Bluffton | Georgia | U.S. | |
|---|---|---|---|
| Median home value | $161,300 | $303,300 | $332,700 |
| Median property tax paid per year | $3,188 | $2,341 | $3,119 |
| Property tax as a share of value | 1.98% | 0.77% | 0.94% |
| Median household income | $86,131 | $77,353 | $80,734 |
| Homes lived in by their owners | 84% | 66% | 65% |
| Owner homes with a mortgage | 43% | 63% | 61% |
| Median monthly costs, owners with a mortgage | $767 | $1,783 | $1,963 |
| Those costs as a share of the owners' income | 12.3% | 20.0% | 21.0% |
| Median rent | – | $1,393 | $1,413 |
| Median year homes were built | 1982 | 1992 | 1980 |
| Vacant homes | 17.2% | 10.3% | 10.1% |
| Population | 350 | 10,940,407 | 334,922,499 |
What a typical home costs per month in Bluffton
At this week's average 30-year rate of 7.11%, buying the median Bluffton home of $161,300 with 20% down costs about $1,201 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,470, 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 $51,489 for the 20%-down payment. That payment is 17% of the median Bluffton household income of $86,131; at that income and 20% down, the 28% guideline points to a home of about $270,000.
| Down payment | $32,260 |
|---|---|
| Loan amount | $129,040 |
| Principal and interest | $868 |
| Property taxes (1.98% a year) | $266 |
| Homeowners insurance (our estimate, 0.5% a year) | $67 |
| PMI | $0 |
| Total per month | $1,201 |
Change the numbers in the calculator
| Down payment | $5,646 |
|---|---|
| Loan amount | $158,378 |
| Principal and interest | $1,065 |
| Property taxes (1.98% a year) | $266 |
| Homeowners insurance (our estimate, 0.5% a year) | $67 |
| FHA mortgage insurance | $71 |
| Total per month | $1,470 |
Change the numbers in the calculator
Questions about home buying in Bluffton
What is the median home value in Bluffton?
About $161,300 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Bluffton?
Homeowners pay a median $3,188 a year, which is about 1.98% 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 Bluffton?
For the median home with 20% down at 7.11%, the payment is about $1,201 a month. Keeping that under 28% of gross income takes about $51,489 a year.
More about Bluffton
- Mortgage Refinance in Bluffton
- Debt Relief in Bluffton
- Home Equity Loans in Bluffton
- 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