The typical owner-occupied home in Lanier County is worth about $162,300, 46% below the Georgia median of $303,300 and 51% below the national median of $332,700. Owners pay a median $1,615 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 $47,186 a year, so the median home costs 3.4 times the median income (3.9 times for Georgia). 73% of occupied homes here are lived in by their owners, and 53% of those owners still have a mortgage.
Lanier County at a glance
| Lanier County | Georgia | U.S. | |
|---|---|---|---|
| Median home value | $162,300 | $303,300 | $332,700 |
| Median property tax paid per year | $1,615 | $2,341 | $3,119 |
| Property tax as a share of value | 1.00% | 0.77% | 0.94% |
| Median household income | $47,186 | $77,353 | $80,734 |
| Homes lived in by their owners | 73% | 66% | 65% |
| Owner homes with a mortgage | 53% | 63% | 61% |
| Median monthly costs, owners with a mortgage | $1,491 | $1,783 | $1,963 |
| Those costs as a share of the owners' income | 21.0% | 20.0% | 21.0% |
| Median rent | $913 | $1,393 | $1,413 |
| Rent as a share of renters' income | 31.5% | 31.3% | 30.6% |
| Median year homes were built | 1996 | 1992 | 1980 |
| Vacant homes | 16.5% | 10.3% | 10.1% |
| Population | 10,221 | 10,940,407 | 334,922,499 |
What a typical home costs per month in Lanier County
At this week's average 30-year rate of 7.11%, buying the median Lanier County home of $162,300 with 20% down costs about $1,076 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,347, 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 $46,128 for the 20%-down payment. That payment is 27% of the median Lanier County household income of $47,186; at that income and 20% down, the 28% guideline points to a home of about $166,000.
The median rent here is $913 a month, so owning the median home costs about $163 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $32,460 |
|---|---|
| Loan amount | $129,840 |
| Principal and interest | $873 |
| Property taxes (1.00% a year) | $135 |
| Homeowners insurance (our estimate, 0.5% a year) | $68 |
| PMI | $0 |
| Total per month | $1,076 |
Change the numbers in the calculator
| Down payment | $5,680 |
|---|---|
| Loan amount | $159,360 |
| Principal and interest | $1,072 |
| Property taxes (1.00% a year) | $135 |
| Homeowners insurance (our estimate, 0.5% a year) | $68 |
| FHA mortgage insurance | $72 |
| Total per month | $1,347 |
Change the numbers in the calculator
Questions about home buying in Lanier County
What is the median home value in Lanier County?
About $162,300 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Lanier County?
Homeowners pay a median $1,615 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 Lanier County?
For the median home with 20% down at 7.11%, the payment is about $1,076 a month. Keeping that under 28% of gross income takes about $46,128 a year.
More about Lanier County
- Mortgage Refinance in Lanier County
- Debt Relief in Lanier County
- Home Equity Loans in Lanier 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