The typical owner-occupied home in Emanuel County is worth about $94,700, 69% below the Georgia median of $303,300 and 72% below the national median of $332,700. Owners pay a median $884 a year in property taxes, about 0.93% of their home's value, higher than the Georgia rate of 0.77%. The median household earns $52,772 a year, so the median home costs 1.8 times the median income (3.9 times for Georgia). 61% of occupied homes here are lived in by their owners, and 39% of those owners still have a mortgage.
Emanuel County at a glance
| Emanuel County | Georgia | U.S. | |
|---|---|---|---|
| Median home value | $94,700 | $303,300 | $332,700 |
| Median property tax paid per year | $884 | $2,341 | $3,119 |
| Property tax as a share of value | 0.93% | 0.77% | 0.94% |
| Median household income | $52,772 | $77,353 | $80,734 |
| Homes lived in by their owners | 61% | 66% | 65% |
| Owner homes with a mortgage | 39% | 63% | 61% |
| Median monthly costs, owners with a mortgage | $1,162 | $1,783 | $1,963 |
| Those costs as a share of the owners' income | 20.7% | 20.0% | 21.0% |
| Median rent | $783 | $1,393 | $1,413 |
| Rent as a share of renters' income | 22.4% | 31.3% | 30.6% |
| Median year homes were built | 1982 | 1992 | 1980 |
| Vacant homes | 17.2% | 10.3% | 10.1% |
| Population | 23,026 | 10,940,407 | 334,922,499 |
What a typical home costs per month in Emanuel County
At this week's average 30-year rate of 7.11%, buying the median Emanuel County home of $94,700 with 20% down costs about $622 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $780, 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 $26,678 for the 20%-down payment. That payment is 14% of the median Emanuel County household income of $52,772; at that income and 20% down, the 28% guideline points to a home of about $187,000.
The median rent here is $783 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $18,940 |
|---|---|
| Loan amount | $75,760 |
| Principal and interest | $510 |
| Property taxes (0.93% a year) | $73 |
| Homeowners insurance (our estimate, 0.5% a year) | $39 |
| PMI | $0 |
| Total per month | $622 |
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| Down payment | $3,314 |
|---|---|
| Loan amount | $92,985 |
| Principal and interest | $626 |
| Property taxes (0.93% a year) | $73 |
| Homeowners insurance (our estimate, 0.5% a year) | $39 |
| FHA mortgage insurance | $42 |
| Total per month | $780 |
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Questions about home buying in Emanuel County
What is the median home value in Emanuel County?
About $94,700 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Emanuel County?
Homeowners pay a median $884 a year, which is about 0.93% 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 Emanuel County?
For the median home with 20% down at 7.11%, the payment is about $622 a month. Keeping that under 28% of gross income takes about $26,678 a year.
More about Emanuel County
- Mortgage Refinance in Emanuel County
- Debt Relief in Emanuel County
- Home Equity Loans in Emanuel 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