The typical owner-occupied home in Clinch County is worth about $84,400, 72% below the Georgia median of $303,300 and 75% below the national median of $332,700. Owners pay a median $1,101 a year in property taxes, about 1.30% of their home's value, higher than the Georgia rate of 0.77%. The median household earns $45,847 a year, so the median home costs 1.8 times the median income (3.9 times for Georgia). 71% of occupied homes here are lived in by their owners, and 42% of those owners still have a mortgage.
Clinch County at a glance
| Clinch County | Georgia | U.S. | |
|---|---|---|---|
| Median home value | $84,400 | $303,300 | $332,700 |
| Median property tax paid per year | $1,101 | $2,341 | $3,119 |
| Property tax as a share of value | 1.30% | 0.77% | 0.94% |
| Median household income | $45,847 | $77,353 | $80,734 |
| Homes lived in by their owners | 71% | 66% | 65% |
| Owner homes with a mortgage | 42% | 63% | 61% |
| Median monthly costs, owners with a mortgage | $1,080 | $1,783 | $1,963 |
| Those costs as a share of the owners' income | 14.5% | 20.0% | 21.0% |
| Median rent | $509 | $1,393 | $1,413 |
| Rent as a share of renters' income | 23.8% | 31.3% | 30.6% |
| Median year homes were built | 1980 | 1992 | 1980 |
| Vacant homes | 20.1% | 10.3% | 10.1% |
| Population | 6,759 | 10,940,407 | 334,922,499 |
What a typical home costs per month in Clinch County
At this week's average 30-year rate of 7.11%, buying the median Clinch County home of $84,400 with 20% down costs about $581 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $721, 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 $24,892 for the 20%-down payment. That payment is 15% of the median Clinch County household income of $45,847; at that income and 20% down, the 28% guideline points to a home of about $155,000.
The median rent here is $509 a month, so owning the median home costs about $72 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $16,880 |
|---|---|
| Loan amount | $67,520 |
| Principal and interest | $454 |
| Property taxes (1.30% a year) | $91 |
| Homeowners insurance (our estimate, 0.5% a year) | $35 |
| PMI | $0 |
| Total per month | $581 |
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| Down payment | $2,954 |
|---|---|
| Loan amount | $82,871 |
| Principal and interest | $557 |
| Property taxes (1.30% a year) | $91 |
| Homeowners insurance (our estimate, 0.5% a year) | $35 |
| FHA mortgage insurance | $37 |
| Total per month | $721 |
Change the numbers in the calculator
Questions about home buying in Clinch County
What is the median home value in Clinch County?
About $84,400 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Clinch County?
Homeowners pay a median $1,101 a year, which is about 1.30% 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 Clinch County?
For the median home with 20% down at 7.11%, the payment is about $581 a month. Keeping that under 28% of gross income takes about $24,892 a year.
More about Clinch County
- Mortgage Refinance in Clinch County
- Debt Relief in Clinch County
- Home Equity Loans in Clinch 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