The typical owner-occupied home in Chickamauga is worth about $269,100, 11% below the Georgia median of $303,300 and 19% below the national median of $332,700. Owners pay a median $1,883 a year in property taxes, about 0.70% of their home's value, lower than the Georgia rate of 0.77%. The median household earns $92,532 a year, so the median home costs 2.9 times the median income (3.9 times for Georgia). 81% of occupied homes here are lived in by their owners, and 49% of those owners still have a mortgage.
Chickamauga at a glance
| Chickamauga | Georgia | U.S. | |
|---|---|---|---|
| Median home value | $269,100 | $303,300 | $332,700 |
| Median property tax paid per year | $1,883 | $2,341 | $3,119 |
| Property tax as a share of value | 0.70% | 0.77% | 0.94% |
| Median household income | $92,532 | $77,353 | $80,734 |
| Homes lived in by their owners | 81% | 66% | 65% |
| Owner homes with a mortgage | 49% | 63% | 61% |
| Median monthly costs, owners with a mortgage | $1,210 | $1,783 | $1,963 |
| Those costs as a share of the owners' income | 17.6% | 20.0% | 21.0% |
| Median rent | $750 | $1,393 | $1,413 |
| Rent as a share of renters' income | 29.4% | 31.3% | 30.6% |
| Median year homes were built | 1984 | 1992 | 1980 |
| Vacant homes | 6.7% | 10.3% | 10.1% |
| Population | 3,014 | 10,940,407 | 334,922,499 |
What a typical home costs per month in Chickamauga
At this week's average 30-year rate of 7.11%, buying the median Chickamauga home of $269,100 with 20% down costs about $1,717 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $2,166, 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 $73,599 for the 20%-down payment. That payment is 22% of the median Chickamauga household income of $92,532; at that income and 20% down, the 28% guideline points to a home of about $338,000.
The median rent here is $750 a month, so owning the median home costs about $967 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $53,820 |
|---|---|
| Loan amount | $215,280 |
| Principal and interest | $1,448 |
| Property taxes (0.70% a year) | $157 |
| Homeowners insurance (our estimate, 0.5% a year) | $112 |
| PMI | $0 |
| Total per month | $1,717 |
Change the numbers in the calculator
| Down payment | $9,418 |
|---|---|
| Loan amount | $264,226 |
| Principal and interest | $1,777 |
| Property taxes (0.70% a year) | $157 |
| Homeowners insurance (our estimate, 0.5% a year) | $112 |
| FHA mortgage insurance | $119 |
| Total per month | $2,166 |
Change the numbers in the calculator
Questions about home buying in Chickamauga
What is the median home value in Chickamauga?
About $269,100 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Chickamauga?
Homeowners pay a median $1,883 a year, which is about 0.70% 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 Chickamauga?
For the median home with 20% down at 7.11%, the payment is about $1,717 a month. Keeping that under 28% of gross income takes about $73,599 a year.
More about Chickamauga
- Mortgage Refinance in Chickamauga
- Debt Relief in Chickamauga
- Home Equity Loans in Chickamauga
- 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