The typical owner-occupied home in Cataula is worth about $321,200, 6% above the Georgia median of $303,300 and 3% below the national median of $332,700. Owners pay a median $2,600 a year in property taxes, about 0.81% of their home's value, close to the Georgia rate of 0.77%. The median household earns $123,920 a year, so the median home costs 2.6 times the median income (3.9 times for Georgia). 89% of occupied homes here are lived in by their owners, and 62% of those owners still have a mortgage.
Cataula at a glance
| Cataula | Georgia | U.S. | |
|---|---|---|---|
| Median home value | $321,200 | $303,300 | $332,700 |
| Median property tax paid per year | $2,600 | $2,341 | $3,119 |
| Property tax as a share of value | 0.81% | 0.77% | 0.94% |
| Median household income | $123,920 | $77,353 | $80,734 |
| Homes lived in by their owners | 89% | 66% | 65% |
| Owner homes with a mortgage | 62% | 63% | 61% |
| Median monthly costs, owners with a mortgage | $1,701 | $1,783 | $1,963 |
| Those costs as a share of the owners' income | 16.1% | 20.0% | 21.0% |
| Median rent | – | $1,393 | $1,413 |
| Median year homes were built | 2003 | 1992 | 1980 |
| Vacant homes | 13.4% | 10.3% | 10.1% |
| Population | 1,522 | 10,940,407 | 334,922,499 |
What a typical home costs per month in Cataula
At this week's average 30-year rate of 7.11%, buying the median Cataula home of $321,200 with 20% down costs about $2,079 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $2,614, 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 $89,110 for the 20%-down payment. That payment is 20% of the median Cataula household income of $123,920; at that income and 20% down, the 28% guideline points to a home of about $447,000.
| Down payment | $64,240 |
|---|---|
| Loan amount | $256,960 |
| Principal and interest | $1,729 |
| Property taxes (0.81% a year) | $217 |
| Homeowners insurance (our estimate, 0.5% a year) | $134 |
| PMI | $0 |
| Total per month | $2,079 |
Change the numbers in the calculator
| Down payment | $11,242 |
|---|---|
| Loan amount | $315,382 |
| Principal and interest | $2,122 |
| Property taxes (0.81% a year) | $217 |
| Homeowners insurance (our estimate, 0.5% a year) | $134 |
| FHA mortgage insurance | $142 |
| Total per month | $2,614 |
Change the numbers in the calculator
Questions about home buying in Cataula
What is the median home value in Cataula?
About $321,200 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Cataula?
Homeowners pay a median $2,600 a year, which is about 0.81% 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 Cataula?
For the median home with 20% down at 7.11%, the payment is about $2,079 a month. Keeping that under 28% of gross income takes about $89,110 a year.
More about Cataula
- Mortgage Refinance in Cataula
- Debt Relief in Cataula
- Home Equity Loans in Cataula
- 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