The typical owner-occupied home in Mineral Bluff is worth about $97,600, 68% below the Georgia median of $303,300 and 71% below the national median of $332,700. Owners pay a median $700 a year in property taxes, about 0.72% of their home's value, lower than the Georgia rate of 0.77%. 45% of occupied homes here are lived in by their owners, and 0% of those owners still have a mortgage.
Mineral Bluff at a glance
| Mineral Bluff | Georgia | U.S. | |
|---|---|---|---|
| Median home value | $97,600 | $303,300 | $332,700 |
| Median property tax paid per year | $700 | $2,341 | $3,119 |
| Property tax as a share of value | 0.72% | 0.77% | 0.94% |
| Median household income | – | $77,353 | $80,734 |
| Homes lived in by their owners | 45% | 66% | 65% |
| Owner homes with a mortgage | 0% | 63% | 61% |
| Median monthly costs, owners with a mortgage | – | $1,783 | $1,963 |
| Median rent | – | $1,393 | $1,413 |
| Rent as a share of renters' income | 35.6% | 31.3% | 30.6% |
| Median year homes were built | 1973 | 1992 | 1980 |
| Vacant homes | 0.0% | 10.3% | 10.1% |
| Population | 294 | 10,940,407 | 334,922,499 |
What a typical home costs per month in Mineral Bluff
At this week's average 30-year rate of 7.11%, buying the median Mineral Bluff home of $97,600 with 20% down costs about $624 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $787, 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 $26,763 for the 20%-down payment.
| Down payment | $19,520 |
|---|---|
| Loan amount | $78,080 |
| Principal and interest | $525 |
| Property taxes (0.72% a year) | $59 |
| Homeowners insurance (our estimate, 0.5% a year) | $41 |
| PMI | $0 |
| Total per month | $624 |
Change the numbers in the calculator
| Down payment | $3,416 |
|---|---|
| Loan amount | $95,832 |
| Principal and interest | $645 |
| Property taxes (0.72% a year) | $59 |
| Homeowners insurance (our estimate, 0.5% a year) | $41 |
| FHA mortgage insurance | $43 |
| Total per month | $787 |
Change the numbers in the calculator
Questions about home buying in Mineral Bluff
What is the median home value in Mineral Bluff?
About $97,600 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Mineral Bluff?
Homeowners pay a median $700 a year, which is about 0.72% 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 Mineral Bluff?
For the median home with 20% down at 7.11%, the payment is about $624 a month. Keeping that under 28% of gross income takes about $26,763 a year.
More about Mineral Bluff
- Mortgage Refinance in Mineral Bluff
- Debt Relief in Mineral Bluff
- Home Equity Loans in Mineral Bluff
- 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