The typical owner-occupied home in Social Circle is worth about $307,300, about the same as the Georgia median of $303,300 and 8% below the national median of $332,700. Owners pay a median $2,328 a year in property taxes, about 0.76% of their home's value, close to the Georgia rate of 0.77%. The median household earns $88,591 a year, so the median home costs 3.5 times the median income (3.9 times for Georgia). 80% of occupied homes here are lived in by their owners, and 75% of those owners still have a mortgage.
Social Circle at a glance
| Social Circle | Georgia | U.S. | |
|---|---|---|---|
| Median home value | $307,300 | $303,300 | $332,700 |
| Median property tax paid per year | $2,328 | $2,341 | $3,119 |
| Property tax as a share of value | 0.76% | 0.77% | 0.94% |
| Median household income | $88,591 | $77,353 | $80,734 |
| Homes lived in by their owners | 80% | 66% | 65% |
| Owner homes with a mortgage | 75% | 63% | 61% |
| Median monthly costs, owners with a mortgage | $1,666 | $1,783 | $1,963 |
| Those costs as a share of the owners' income | 24.6% | 20.0% | 21.0% |
| Median rent | $1,083 | $1,393 | $1,413 |
| Rent as a share of renters' income | 19.9% | 31.3% | 30.6% |
| Median year homes were built | 2000 | 1992 | 1980 |
| Vacant homes | 3.6% | 10.3% | 10.1% |
| Population | 5,217 | 10,940,407 | 334,922,499 |
What a typical home costs per month in Social Circle
At this week's average 30-year rate of 7.11%, buying the median Social Circle home of $307,300 with 20% down costs about $1,976 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $2,488, 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 $84,705 for the 20%-down payment. That payment is 27% of the median Social Circle household income of $88,591; at that income and 20% down, the 28% guideline points to a home of about $321,000.
The median rent here is $1,083 a month, so owning the median home costs about $893 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $61,460 |
|---|---|
| Loan amount | $245,840 |
| Principal and interest | $1,654 |
| Property taxes (0.76% a year) | $195 |
| Homeowners insurance (our estimate, 0.5% a year) | $128 |
| PMI | $0 |
| Total per month | $1,976 |
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| Down payment | $10,756 |
|---|---|
| Loan amount | $301,734 |
| Principal and interest | $2,030 |
| Property taxes (0.76% a year) | $195 |
| Homeowners insurance (our estimate, 0.5% a year) | $128 |
| FHA mortgage insurance | $136 |
| Total per month | $2,488 |
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Questions about home buying in Social Circle
What is the median home value in Social Circle?
About $307,300 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Social Circle?
Homeowners pay a median $2,328 a year, which is about 0.76% 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 Social Circle?
For the median home with 20% down at 7.11%, the payment is about $1,976 a month. Keeping that under 28% of gross income takes about $84,705 a year.
More about Social Circle
- Mortgage Refinance in Social Circle
- Debt Relief in Social Circle
- Home Equity Loans in Social Circle
- 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