The typical owner-occupied home in Miller County is worth about $124,000, 59% below the Georgia median of $303,300 and 63% below the national median of $332,700. Owners pay a median $1,595 a year in property taxes, about 1.29% of their home's value, higher than the Georgia rate of 0.77%. The median household earns $51,425 a year, so the median home costs 2.4 times the median income (3.9 times for Georgia). 70% of occupied homes here are lived in by their owners, and 33% of those owners still have a mortgage.
Miller County at a glance
| Miller County | Georgia | U.S. | |
|---|---|---|---|
| Median home value | $124,000 | $303,300 | $332,700 |
| Median property tax paid per year | $1,595 | $2,341 | $3,119 |
| Property tax as a share of value | 1.29% | 0.77% | 0.94% |
| Median household income | $51,425 | $77,353 | $80,734 |
| Homes lived in by their owners | 70% | 66% | 65% |
| Owner homes with a mortgage | 33% | 63% | 61% |
| Median monthly costs, owners with a mortgage | $1,385 | $1,783 | $1,963 |
| Those costs as a share of the owners' income | 20.9% | 20.0% | 21.0% |
| Median rent | $810 | $1,393 | $1,413 |
| Rent as a share of renters' income | 31.9% | 31.3% | 30.6% |
| Median year homes were built | 1979 | 1992 | 1980 |
| Vacant homes | 9.9% | 10.3% | 10.1% |
| Population | 5,850 | 10,940,407 | 334,922,499 |
What a typical home costs per month in Miller County
At this week's average 30-year rate of 7.11%, buying the median Miller County home of $124,000 with 20% down costs about $852 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,059, 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 $36,527 for the 20%-down payment. That payment is 20% of the median Miller County household income of $51,425; at that income and 20% down, the 28% guideline points to a home of about $175,000.
The median rent here is $810 a month, so owning the median home costs about $42 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $24,800 |
|---|---|
| Loan amount | $99,200 |
| Principal and interest | $667 |
| Property taxes (1.29% a year) | $133 |
| Homeowners insurance (our estimate, 0.5% a year) | $52 |
| PMI | $0 |
| Total per month | $852 |
Change the numbers in the calculator
| Down payment | $4,340 |
|---|---|
| Loan amount | $121,754 |
| Principal and interest | $819 |
| Property taxes (1.29% a year) | $133 |
| Homeowners insurance (our estimate, 0.5% a year) | $52 |
| FHA mortgage insurance | $55 |
| Total per month | $1,059 |
Change the numbers in the calculator
Questions about home buying in Miller County
What is the median home value in Miller County?
About $124,000 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Miller County?
Homeowners pay a median $1,595 a year, which is about 1.29% 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 Miller County?
For the median home with 20% down at 7.11%, the payment is about $852 a month. Keeping that under 28% of gross income takes about $36,527 a year.
More about Miller County
- Mortgage Refinance in Miller County
- Debt Relief in Miller County
- Home Equity Loans in Miller 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