The typical owner-occupied home in White County is worth about $278,900, 8% below the Georgia median of $303,300 and 16% below the national median of $332,700. Owners pay a median $1,800 a year in property taxes, about 0.65% of their home's value, lower than the Georgia rate of 0.77%. The median household earns $70,666 a year, so the median home costs 3.9 times the median income (3.9 times for Georgia). 79% of occupied homes here are lived in by their owners, and 52% of those owners still have a mortgage.
White County at a glance
| White County | Georgia | U.S. | |
|---|---|---|---|
| Median home value | $278,900 | $303,300 | $332,700 |
| Median property tax paid per year | $1,800 | $2,341 | $3,119 |
| Property tax as a share of value | 0.65% | 0.77% | 0.94% |
| Median household income | $70,666 | $77,353 | $80,734 |
| Homes lived in by their owners | 79% | 66% | 65% |
| Owner homes with a mortgage | 52% | 63% | 61% |
| Median monthly costs, owners with a mortgage | $1,556 | $1,783 | $1,963 |
| Those costs as a share of the owners' income | 21.1% | 20.0% | 21.0% |
| Median rent | $1,032 | $1,393 | $1,413 |
| Rent as a share of renters' income | 27.3% | 31.3% | 30.6% |
| Median year homes were built | 1994 | 1992 | 1980 |
| Vacant homes | 23.1% | 10.3% | 10.1% |
| Population | 28,810 | 10,940,407 | 334,922,499 |
What a typical home costs per month in White County
At this week's average 30-year rate of 7.11%, buying the median White County home of $278,900 with 20% down costs about $1,768 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $2,233, 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 $75,781 for the 20%-down payment. That payment is 30% of the median White County household income of $70,666; at that income and 20% down, the 28% guideline points to a home of about $260,000.
The median rent here is $1,032 a month, so owning the median home costs about $736 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $55,780 |
|---|---|
| Loan amount | $223,120 |
| Principal and interest | $1,501 |
| Property taxes (0.65% a year) | $151 |
| Homeowners insurance (our estimate, 0.5% a year) | $116 |
| PMI | $0 |
| Total per month | $1,768 |
Change the numbers in the calculator
| Down payment | $9,762 |
|---|---|
| Loan amount | $273,848 |
| Principal and interest | $1,842 |
| Property taxes (0.65% a year) | $151 |
| Homeowners insurance (our estimate, 0.5% a year) | $116 |
| FHA mortgage insurance | $123 |
| Total per month | $2,233 |
Change the numbers in the calculator
Questions about home buying in White County
What is the median home value in White County?
About $278,900 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in White County?
Homeowners pay a median $1,800 a year, which is about 0.65% 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 White County?
For the median home with 20% down at 7.11%, the payment is about $1,768 a month. Keeping that under 28% of gross income takes about $75,781 a year.
More about White County
- Mortgage Refinance in White County
- Debt Relief in White County
- Home Equity Loans in White 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