The typical owner-occupied home in Heard County is worth about $186,800, 38% below the Georgia median of $303,300 and 44% below the national median of $332,700. Owners pay a median $1,049 a year in property taxes, about 0.56% of their home's value, lower than the Georgia rate of 0.77%. The median household earns $65,868 a year, so the median home costs 2.8 times the median income (3.9 times for Georgia). 72% of occupied homes here are lived in by their owners, and 52% of those owners still have a mortgage.
Heard County at a glance
| Heard County | Georgia | U.S. | |
|---|---|---|---|
| Median home value | $186,800 | $303,300 | $332,700 |
| Median property tax paid per year | $1,049 | $2,341 | $3,119 |
| Property tax as a share of value | 0.56% | 0.77% | 0.94% |
| Median household income | $65,868 | $77,353 | $80,734 |
| Homes lived in by their owners | 72% | 66% | 65% |
| Owner homes with a mortgage | 52% | 63% | 61% |
| Median monthly costs, owners with a mortgage | $1,558 | $1,783 | $1,963 |
| Those costs as a share of the owners' income | 21.2% | 20.0% | 21.0% |
| Median rent | $917 | $1,393 | $1,413 |
| Rent as a share of renters' income | 25.4% | 31.3% | 30.6% |
| Median year homes were built | 1985 | 1992 | 1980 |
| Vacant homes | 10.6% | 10.3% | 10.1% |
| Population | 11,773 | 10,940,407 | 334,922,499 |
What a typical home costs per month in Heard County
At this week's average 30-year rate of 7.11%, buying the median Heard County home of $186,800 with 20% down costs about $1,170 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,481, 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 $50,156 for the 20%-down payment. That payment is 21% of the median Heard County household income of $65,868; at that income and 20% down, the 28% guideline points to a home of about $245,000.
The median rent here is $917 a month, so owning the median home costs about $253 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $37,360 |
|---|---|
| Loan amount | $149,440 |
| Principal and interest | $1,005 |
| Property taxes (0.56% a year) | $87 |
| Homeowners insurance (our estimate, 0.5% a year) | $78 |
| PMI | $0 |
| Total per month | $1,170 |
Change the numbers in the calculator
| Down payment | $6,538 |
|---|---|
| Loan amount | $183,417 |
| Principal and interest | $1,234 |
| Property taxes (0.56% a year) | $87 |
| Homeowners insurance (our estimate, 0.5% a year) | $78 |
| FHA mortgage insurance | $83 |
| Total per month | $1,481 |
Change the numbers in the calculator
Questions about home buying in Heard County
What is the median home value in Heard County?
About $186,800 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Heard County?
Homeowners pay a median $1,049 a year, which is about 0.56% 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 Heard County?
For the median home with 20% down at 7.11%, the payment is about $1,170 a month. Keeping that under 28% of gross income takes about $50,156 a year.
More about Heard County
- Mortgage Refinance in Heard County
- Debt Relief in Heard County
- Home Equity Loans in Heard 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