The typical owner-occupied home in Ludowici is worth about $238,600, 21% below the Georgia median of $303,300 and 28% below the national median of $332,700. Owners pay a median $1,864 a year in property taxes, about 0.78% of their home's value, close to the Georgia rate of 0.77%. 48% of occupied homes here are lived in by their owners, and 51% of those owners still have a mortgage.
Ludowici at a glance
| Ludowici | Georgia | U.S. | |
|---|---|---|---|
| Median home value | $238,600 | $303,300 | $332,700 |
| Median property tax paid per year | $1,864 | $2,341 | $3,119 |
| Property tax as a share of value | 0.78% | 0.77% | 0.94% |
| Median household income | – | $77,353 | $80,734 |
| Homes lived in by their owners | 48% | 66% | 65% |
| Owner homes with a mortgage | 51% | 63% | 61% |
| Median monthly costs, owners with a mortgage | $1,454 | $1,783 | $1,963 |
| Those costs as a share of the owners' income | 20.1% | 20.0% | 21.0% |
| Median rent | – | $1,393 | $1,413 |
| Rent as a share of renters' income | 28.7% | 31.3% | 30.6% |
| Median year homes were built | 1990 | 1992 | 1980 |
| Vacant homes | 10.6% | 10.3% | 10.1% |
| Population | 1,897 | 10,940,407 | 334,922,499 |
What a typical home costs per month in Ludowici
At this week's average 30-year rate of 7.11%, buying the median Ludowici home of $238,600 with 20% down costs about $1,539 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,936, 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 $65,939 for the 20%-down payment.
| Down payment | $47,720 |
|---|---|
| Loan amount | $190,880 |
| Principal and interest | $1,284 |
| Property taxes (0.78% a year) | $155 |
| Homeowners insurance (our estimate, 0.5% a year) | $99 |
| PMI | $0 |
| Total per month | $1,539 |
Change the numbers in the calculator
| Down payment | $8,351 |
|---|---|
| Loan amount | $234,278 |
| Principal and interest | $1,576 |
| Property taxes (0.78% a year) | $155 |
| Homeowners insurance (our estimate, 0.5% a year) | $99 |
| FHA mortgage insurance | $106 |
| Total per month | $1,936 |
Change the numbers in the calculator
Questions about home buying in Ludowici
What is the median home value in Ludowici?
About $238,600 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Ludowici?
Homeowners pay a median $1,864 a year, which is about 0.78% 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 Ludowici?
For the median home with 20% down at 7.11%, the payment is about $1,539 a month. Keeping that under 28% of gross income takes about $65,939 a year.
More about Ludowici
- Mortgage Refinance in Ludowici
- Debt Relief in Ludowici
- Home Equity Loans in Ludowici
- 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