The typical owner-occupied home in Swainsboro is worth about $109,300, 64% below the Georgia median of $303,300 and 67% below the national median of $332,700. Owners pay a median $1,096 a year in property taxes, about 1.00% of their home's value, higher than the Georgia rate of 0.77%. The median household earns $49,750 a year, so the median home costs 2.2 times the median income (3.9 times for Georgia). 45% of occupied homes here are lived in by their owners, and 39% of those owners still have a mortgage.
Swainsboro at a glance
| Swainsboro | Georgia | U.S. | |
|---|---|---|---|
| Median home value | $109,300 | $303,300 | $332,700 |
| Median property tax paid per year | $1,096 | $2,341 | $3,119 |
| Property tax as a share of value | 1.00% | 0.77% | 0.94% |
| Median household income | $49,750 | $77,353 | $80,734 |
| Homes lived in by their owners | 45% | 66% | 65% |
| Owner homes with a mortgage | 39% | 63% | 61% |
| Median monthly costs, owners with a mortgage | $1,063 | $1,783 | $1,963 |
| Those costs as a share of the owners' income | 19.0% | 20.0% | 21.0% |
| Median rent | $836 | $1,393 | $1,413 |
| Rent as a share of renters' income | 25.7% | 31.3% | 30.6% |
| Median year homes were built | 1978 | 1992 | 1980 |
| Vacant homes | 17.7% | 10.3% | 10.1% |
| Population | 7,571 | 10,940,407 | 334,922,499 |
What a typical home costs per month in Swainsboro
At this week's average 30-year rate of 7.11%, buying the median Swainsboro home of $109,300 with 20% down costs about $725 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $907, 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 $31,065 for the 20%-down payment. That payment is 17% of the median Swainsboro household income of $49,750; at that income and 20% down, the 28% guideline points to a home of about $175,000.
The median rent here is $836 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $21,860 |
|---|---|
| Loan amount | $87,440 |
| Principal and interest | $588 |
| Property taxes (1.00% a year) | $91 |
| Homeowners insurance (our estimate, 0.5% a year) | $46 |
| PMI | $0 |
| Total per month | $725 |
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| Down payment | $3,826 |
|---|---|
| Loan amount | $107,320 |
| Principal and interest | $722 |
| Property taxes (1.00% a year) | $91 |
| Homeowners insurance (our estimate, 0.5% a year) | $46 |
| FHA mortgage insurance | $48 |
| Total per month | $907 |
Change the numbers in the calculator
Questions about home buying in Swainsboro
What is the median home value in Swainsboro?
About $109,300 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Swainsboro?
Homeowners pay a median $1,096 a year, which is about 1.00% 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 Swainsboro?
For the median home with 20% down at 7.11%, the payment is about $725 a month. Keeping that under 28% of gross income takes about $31,065 a year.
More about Swainsboro
- Mortgage Refinance in Swainsboro
- Debt Relief in Swainsboro
- Home Equity Loans in Swainsboro
- 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