The typical owner-occupied home in Ochlocknee is worth about $135,400, 55% below the Georgia median of $303,300 and 59% below the national median of $332,700. Owners pay a median $860 a year in property taxes, about 0.64% of their home's value, lower than the Georgia rate of 0.77%. The median household earns $42,438 a year, so the median home costs 3.2 times the median income (3.9 times for Georgia). 49% of occupied homes here are lived in by their owners, and 48% of those owners still have a mortgage.
Ochlocknee at a glance
| Ochlocknee | Georgia | U.S. | |
|---|---|---|---|
| Median home value | $135,400 | $303,300 | $332,700 |
| Median property tax paid per year | $860 | $2,341 | $3,119 |
| Property tax as a share of value | 0.64% | 0.77% | 0.94% |
| Median household income | $42,438 | $77,353 | $80,734 |
| Homes lived in by their owners | 49% | 66% | 65% |
| Owner homes with a mortgage | 48% | 63% | 61% |
| Median monthly costs, owners with a mortgage | $1,034 | $1,783 | $1,963 |
| Those costs as a share of the owners' income | 12.5% | 20.0% | 21.0% |
| Median rent | $834 | $1,393 | $1,413 |
| Rent as a share of renters' income | 29.1% | 31.3% | 30.6% |
| Median year homes were built | 1983 | 1992 | 1980 |
| Vacant homes | 21.7% | 10.3% | 10.1% |
| Population | 628 | 10,940,407 | 334,922,499 |
What a typical home costs per month in Ochlocknee
At this week's average 30-year rate of 7.11%, buying the median Ochlocknee home of $135,400 with 20% down costs about $857 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,083, 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 $36,742 for the 20%-down payment. That payment is 24% of the median Ochlocknee household income of $42,438; at that income and 20% down, the 28% guideline points to a home of about $156,000.
The median rent here is $834 a month, so owning the median home costs about $23 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $27,080 |
|---|---|
| Loan amount | $108,320 |
| Principal and interest | $729 |
| Property taxes (0.64% a year) | $72 |
| Homeowners insurance (our estimate, 0.5% a year) | $56 |
| PMI | $0 |
| Total per month | $857 |
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| Down payment | $4,739 |
|---|---|
| Loan amount | $132,948 |
| Principal and interest | $894 |
| Property taxes (0.64% a year) | $72 |
| Homeowners insurance (our estimate, 0.5% a year) | $56 |
| FHA mortgage insurance | $60 |
| Total per month | $1,083 |
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Questions about home buying in Ochlocknee
What is the median home value in Ochlocknee?
About $135,400 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Ochlocknee?
Homeowners pay a median $860 a year, which is about 0.64% 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 Ochlocknee?
For the median home with 20% down at 7.11%, the payment is about $857 a month. Keeping that under 28% of gross income takes about $36,742 a year.
More about Ochlocknee
- Mortgage Refinance in Ochlocknee
- Debt Relief in Ochlocknee
- Home Equity Loans in Ochlocknee
- 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