The typical owner-occupied home in Young Harris is worth about $295,200, 3% below the Georgia median of $303,300 and 11% below the national median of $332,700. Owners pay a median $1,388 a year in property taxes, about 0.47% of their home's value, lower than the Georgia rate of 0.77%. The median household earns $31,316 a year, so the median home costs 9.4 times the median income (3.9 times for Georgia). 39% of occupied homes here are lived in by their owners, and 46% of those owners still have a mortgage.
Young Harris at a glance
| Young Harris | Georgia | U.S. | |
|---|---|---|---|
| Median home value | $295,200 | $303,300 | $332,700 |
| Median property tax paid per year | $1,388 | $2,341 | $3,119 |
| Property tax as a share of value | 0.47% | 0.77% | 0.94% |
| Median household income | $31,316 | $77,353 | $80,734 |
| Homes lived in by their owners | 39% | 66% | 65% |
| Owner homes with a mortgage | 46% | 63% | 61% |
| Median monthly costs, owners with a mortgage | $1,142 | $1,783 | $1,963 |
| Those costs as a share of the owners' income | 24.8% | 20.0% | 21.0% |
| Median rent | $767 | $1,393 | $1,413 |
| Rent as a share of renters' income | 39.8% | 31.3% | 30.6% |
| Median year homes were built | 2001 | 1992 | 1980 |
| Vacant homes | 15.0% | 10.3% | 10.1% |
| Population | 1,252 | 10,940,407 | 334,922,499 |
What a typical home costs per month in Young Harris
At this week's average 30-year rate of 7.11%, buying the median Young Harris home of $295,200 with 20% down costs about $1,827 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $2,319, 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 $78,312 for the 20%-down payment. That payment is 70% of the median Young Harris household income of $31,316; at that income and 20% down, the 28% guideline points to a home of about $118,000.
The median rent here is $767 a month, so owning the median home costs about $1,060 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $59,040 |
|---|---|
| Loan amount | $236,160 |
| Principal and interest | $1,589 |
| Property taxes (0.47% a year) | $116 |
| Homeowners insurance (our estimate, 0.5% a year) | $123 |
| PMI | $0 |
| Total per month | $1,827 |
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| Down payment | $10,332 |
|---|---|
| Loan amount | $289,853 |
| Principal and interest | $1,950 |
| Property taxes (0.47% a year) | $116 |
| Homeowners insurance (our estimate, 0.5% a year) | $123 |
| FHA mortgage insurance | $131 |
| Total per month | $2,319 |
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Questions about home buying in Young Harris
What is the median home value in Young Harris?
About $295,200 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Young Harris?
Homeowners pay a median $1,388 a year, which is about 0.47% 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 Young Harris?
For the median home with 20% down at 7.11%, the payment is about $1,827 a month. Keeping that under 28% of gross income takes about $78,312 a year.
More about Young Harris
- Mortgage Refinance in Young Harris
- Debt Relief in Young Harris
- Home Equity Loans in Young Harris
- 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