The typical owner-occupied home in Whigham is worth about $150,000, 51% below the Georgia median of $303,300 and 55% below the national median of $332,700. Owners pay a median $1,605 a year in property taxes, about 1.07% of their home's value, higher than the Georgia rate of 0.77%. The median household earns $64,000 a year, so the median home costs 2.3 times the median income (3.9 times for Georgia). 69% of occupied homes here are lived in by their owners, and 36% of those owners still have a mortgage.
Whigham at a glance
| Whigham | Georgia | U.S. | |
|---|---|---|---|
| Median home value | $150,000 | $303,300 | $332,700 |
| Median property tax paid per year | $1,605 | $2,341 | $3,119 |
| Property tax as a share of value | 1.07% | 0.77% | 0.94% |
| Median household income | $64,000 | $77,353 | $80,734 |
| Homes lived in by their owners | 69% | 66% | 65% |
| Owner homes with a mortgage | 36% | 63% | 61% |
| Median monthly costs, owners with a mortgage | $1,125 | $1,783 | $1,963 |
| Those costs as a share of the owners' income | 23.1% | 20.0% | 21.0% |
| Median rent | $950 | $1,393 | $1,413 |
| Rent as a share of renters' income | 19.6% | 31.3% | 30.6% |
| Median year homes were built | 1978 | 1992 | 1980 |
| Vacant homes | 19.6% | 10.3% | 10.1% |
| Population | 449 | 10,940,407 | 334,922,499 |
What a typical home costs per month in Whigham
At this week's average 30-year rate of 7.11%, buying the median Whigham home of $150,000 with 20% down costs about $1,004 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,253, 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 $43,007 for the 20%-down payment. That payment is 19% of the median Whigham household income of $64,000; at that income and 20% down, the 28% guideline points to a home of about $223,000.
The median rent here is $950 a month, so owning the median home costs about $54 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $30,000 |
|---|---|
| Loan amount | $120,000 |
| Principal and interest | $807 |
| Property taxes (1.07% a year) | $134 |
| Homeowners insurance (our estimate, 0.5% a year) | $62 |
| PMI | $0 |
| Total per month | $1,004 |
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| Down payment | $5,250 |
|---|---|
| Loan amount | $147,283 |
| Principal and interest | $991 |
| Property taxes (1.07% a year) | $134 |
| Homeowners insurance (our estimate, 0.5% a year) | $62 |
| FHA mortgage insurance | $66 |
| Total per month | $1,253 |
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Questions about home buying in Whigham
What is the median home value in Whigham?
About $150,000 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Whigham?
Homeowners pay a median $1,605 a year, which is about 1.07% 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 Whigham?
For the median home with 20% down at 7.11%, the payment is about $1,004 a month. Keeping that under 28% of gross income takes about $43,007 a year.
More about Whigham
- Mortgage Refinance in Whigham
- Debt Relief in Whigham
- Home Equity Loans in Whigham
- 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