The typical owner-occupied home in Sumter County is worth about $120,200, 60% below the Georgia median of $303,300 and 64% below the national median of $332,700. Owners pay a median $1,502 a year in property taxes, about 1.25% of their home's value, higher than the Georgia rate of 0.77%. The median household earns $42,653 a year, so the median home costs 2.8 times the median income (3.9 times for Georgia). 57% of occupied homes here are lived in by their owners, and 54% of those owners still have a mortgage.
Sumter County at a glance
| Sumter County | Georgia | U.S. | |
|---|---|---|---|
| Median home value | $120,200 | $303,300 | $332,700 |
| Median property tax paid per year | $1,502 | $2,341 | $3,119 |
| Property tax as a share of value | 1.25% | 0.77% | 0.94% |
| Median household income | $42,653 | $77,353 | $80,734 |
| Homes lived in by their owners | 57% | 66% | 65% |
| Owner homes with a mortgage | 54% | 63% | 61% |
| Median monthly costs, owners with a mortgage | $1,211 | $1,783 | $1,963 |
| Those costs as a share of the owners' income | 20.1% | 20.0% | 21.0% |
| Median rent | $857 | $1,393 | $1,413 |
| Rent as a share of renters' income | 29.8% | 31.3% | 30.6% |
| Median year homes were built | 1981 | 1992 | 1980 |
| Vacant homes | 18.7% | 10.3% | 10.1% |
| Population | 29,061 | 10,940,407 | 334,922,499 |
What a typical home costs per month in Sumter County
At this week's average 30-year rate of 7.11%, buying the median Sumter County home of $120,200 with 20% down costs about $822 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,022, 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 $35,235 for the 20%-down payment. That payment is 23% of the median Sumter County household income of $42,653; at that income and 20% down, the 28% guideline points to a home of about $146,000.
The median rent here is $857 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $24,040 |
|---|---|
| Loan amount | $96,160 |
| Principal and interest | $647 |
| Property taxes (1.25% a year) | $125 |
| Homeowners insurance (our estimate, 0.5% a year) | $50 |
| PMI | $0 |
| Total per month | $822 |
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| Down payment | $4,207 |
|---|---|
| Loan amount | $118,023 |
| Principal and interest | $794 |
| Property taxes (1.25% a year) | $125 |
| Homeowners insurance (our estimate, 0.5% a year) | $50 |
| FHA mortgage insurance | $53 |
| Total per month | $1,022 |
Change the numbers in the calculator
Questions about home buying in Sumter County
What is the median home value in Sumter County?
About $120,200 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Sumter County?
Homeowners pay a median $1,502 a year, which is about 1.25% 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 Sumter County?
For the median home with 20% down at 7.11%, the payment is about $822 a month. Keeping that under 28% of gross income takes about $35,235 a year.
More about Sumter County
- Mortgage Refinance in Sumter County
- Debt Relief in Sumter County
- Home Equity Loans in Sumter 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