Georgia · Buyer closing costs2024 Census data

Georgia Closing Cost Calculator

Across Georgia's 158 counties, buyer closing costs run $3,214 to $13,418 at each county's median home value with 20% down. Cash needed at closing, with closing costs and the down payment, runs $16,261 to $123,498. Pick your county for your own figures.

Data reviewed October 16, 2026 · Transfer tax verified April 2026 · Mortgage rates weekly · Methodology

CountyOptional. Picking your county refines the property tax in your closing costs.

Purchase price

$Georgia median: $172,350

Down payment

$20.0% downLTV: 80.00%

Loan term

7.40% fixed, Freddie Mac average, week ending October 15, 2026.

HOA duesMonthly, if any

$/moLeave at $0 if the property has no homeowners association.

Special assessmentsYearly, if any

$/yrDistrict levies or special assessments on the tax bill. Leave at $0 if none.

Estimated closing costs$6,092Likely $4,262 – $7,921 · 3.5% of the priceUsing Georgia's median figures. Pick your county to refine the property tax part.

Lender fees$689 – $1,379
Third-party services$2,150 – $4,800
Taxes and government fees$514 – $714
Prepaid and escrow$909 – $1,029

Every closing cost, and what you can do about it

Fees marked Shop around are where buyers save: compare Loan Estimates and quotes. In Georgia that is $2,439 – $5,479 of your costs.

Lender fees

$689 – $1,379

Loan origination feeShop aroundIndustry norm is 0.5%-1.0% of the loan amount; shop multiple lenders to compare$689 – $1,379

Third-party services

$2,150 – $4,800

Title insuranceShop aroundCombined lender's and owner's policies typically run $800-$2,000; rates are regulated in FL, TX, and NM$800 – $2,000

Home appraisalLender orders2026 single-family appraisals typically run $400-$700; larger or complex homes cost more$400 – $700

Home inspectionShop aroundStandard single-family inspections run $350-$600 in 2026; specialty tests (radon, mold, termite) are extra$350 – $600

Real estate attorneyShop aroundFlat fees for a standard residential closing run $600-$1,500; metro markets like NYC can exceed this$600 – $1,500

Taxes and government fees

$514 – $714

Recording feesSet by countyCounty government fee to record the deed and mortgage; 2026 national average is around $125$100 – $300

Intangible recording taxSet by lawGeorgia tax on the mortgage loan amount, paid by the buyer at closing$414

Prepaid and escrow

$909 – $1,029

Prepaid mortgage interestPaid in advanceApproximately 15 days of interest at your rate, depending on closing date$419

Homeowners insurance (2 months)Paid in advanceLenders typically collect 2 months of premium upfront and hold it in escrow$250

Property tax escrow (2-3 months)Paid in advanceLenders typically collect 2-3 months of property tax upfront and hold it in escrow$240 – $360

Georgia taxes the mortgage itself; it is included above under taxes and government fees.

After closing: monthly

$1,158 – $1,241

Mortgage (30yr, 7.40%)$955/mo

Property tax$120/mo

Homeowners insurance (est.)$83 – $167/mo

Year one

$54,957

Cash at closing (midpoint)$40,562

12 months of payments (midpoint)$14,395

Estimated year-one total$54,957

Closing costs$4,262 – $7,921Fees, taxes and prepaid items

Cash to close$38,732 – $42,39120% down plus closing costs

Year one$54,957Cash to close plus 12 months of payments

All figures are estimates for planning purposes only. Mortgage payment assumes a 30-year fixed rate of 7.40%, the Freddie Mac PMMS average for the week ending October 15, 2026. Your lender will confirm the actual rate. Closing costs vary by lender and transaction. Consult a licensed real estate attorney and lender before making any financial decisions.

Georgia closing cost facts

What is specific to buying in Georgia, with sources.

Transfer tax

Sellers usually pay the 0.1% transfer tax. Real Estate Transfer Tax is $1.00 first $1,000 + $0.10/$100 above (effectively 0.1%), seller pays by custom. Buyers with mortgages ≥62 months also pay Intangible Recording Tax of $1.50/$500 (0.3%) on loan amount (not purchase price), max $25,000 per note. Shorter-term loans exempt as of July 2025.

Verified April 2026. Source

Closing attorney

Georgia is an attorney-closing state: a real estate attorney typically handles the closing. The calculator includes $600 – $1,500 for it.

Property tax at closing

Lenders collect two to three months of property tax at closing for escrow. HB 581 limits homestead assessment growth to inflation, measured from the year before the owner first claims the exemption, so a buyer starts from the current assessed value. Some counties, cities and school districts opted out. So a buyer's tax, and the escrow collected, is often higher than what the current owner pays.

Closing costs by county in Georgia

Each county at its own median home value with 20% down and a 30-year loan. Open a county for its full breakdown.

County	Median home	Closing costs	Cash at closing
Appling County	$76,700	$3,298 – $6,515	$18,638 – $21,855
Atkinson County	$79,000	$3,302 – $6,520	$19,102 – $22,320
Bacon County	$101,400	$3,586 – $6,937	$23,866 – $27,217
Baker County	$119,500	$3,726 – $7,139	$27,626 – $31,039
Baldwin County	$181,900	$4,319 – $8,003	$40,699 – $44,383
Banks County	$278,100	$5,234 – $9,335	$60,854 – $64,955
Barrow County	$294,700	$5,488 – $9,709	$64,428 – $68,649
Bartow County	$289,000	$5,390 – $9,564	$63,190 – $67,364
Ben Hill County	$112,700	$3,697 – $7,099	$26,237 – $29,639
Berrien County	$131,600	$3,851 – $7,321	$30,171 – $33,641
Bibb County	$174,500	$4,341 – $8,040	$39,241 – $42,940
Bleckley County	$149,600	$4,059 – $7,625	$33,979 – $37,545
Brantley County	$99,600	$3,577 – $6,924	$23,497 – $26,844
Brooks County	$139,200	$3,993 – $7,532	$31,833 – $35,372
Bryan County	$343,200	$5,978 – $10,423	$74,618 – $79,063
Bulloch County	$222,500	$4,745 – $8,625	$49,245 – $53,125
Burke County	$151,600	$4,010 – $7,552	$34,330 – $37,872
Butts County	$240,600	$4,954 – $8,931	$53,074 – $57,051
Calhoun County	$81,000	$3,366 – $6,615	$19,566 – $22,815
Camden County	$261,400	$5,193 – $9,281	$57,473 – $61,561
Candler County	$159,200	$4,193 – $7,823	$36,033 – $39,663
Carroll County	$255,100	$5,014 – $9,015	$56,034 – $60,035
Catoosa County	$240,900	$4,889 – $8,833	$53,069 – $57,013
Charlton County	$142,800	$3,943 – $7,455	$32,503 – $36,015
Chatham County	$302,700	$5,597 – $9,869	$66,137 – $70,409
Chattahoochee County	$102,700	$3,550 – $6,882	$24,090 – $27,422
Chattooga County	$115,600	$3,691 – $7,089	$26,811 – $30,209
Cherokee County	$435,100	$6,841 – $11,680	$93,861 – $98,700
Clarke County	$298,900	$5,575 – $9,838	$65,355 – $69,618
Clay County	$94,400	$3,490 – $6,796	$22,370 – $25,676
Clayton County	$222,300	$4,786 – $8,686	$49,246 – $53,146
Clinch County	$84,400	$3,429 – $6,708	$20,309 – $23,588
Cobb County	$407,200	$6,550 – $11,256	$87,990 – $92,696
Coffee County	$128,900	$3,801 – $7,248	$29,581 – $33,028
Colquitt County	$121,400	$3,741 – $7,161	$28,021 – $31,441
Columbia County	$305,300	$5,616 – $9,897	$66,676 – $70,957
Cook County	$157,500	$4,095 – $7,676	$35,595 – $39,176
Coweta County	$357,500	$6,095 – $10,594	$77,595 – $82,094
Crawford County	$164,100	$4,186 – $7,811	$37,006 – $40,631
Crisp County	$140,200	$3,990 – $7,527	$32,030 – $35,567
Dade County	$198,500	$4,442 – $8,181	$44,142 – $47,881
Dawson County	$406,700	$6,497 – $11,176	$87,837 – $92,516
Decatur County	$158,800	$4,155 – $7,766	$35,915 – $39,526
DeKalb County	$357,800	$6,212 – $10,769	$77,772 – $82,329
Dodge County	$118,100	$3,715 – $7,123	$27,335 – $30,743
Dooly County	$107,400	$3,677 – $7,070	$25,157 – $28,550
Dougherty County	$134,400	$3,984 – $7,520	$30,864 – $34,400
Douglas County	$296,900	$5,491 – $9,713	$64,871 – $69,093
Early County	$131,300	$3,840 – $7,305	$30,100 – $33,565
Echols County	$124,100	$3,784 – $7,224	$28,604 – $32,044
Effingham County	$276,000	$5,354 – $9,516	$60,554 – $64,716
Elbert County	$142,000	$3,971 – $7,497	$32,371 – $35,897
Emanuel County	$94,700	$3,484 – $6,786	$22,424 – $25,726
Evans County	$138,200	$3,955 – $7,475	$31,595 – $35,115
Fannin County	$306,600	$5,378 – $9,540	$66,698 – $70,860
Fayette County	$436,400	$6,902 – $11,772	$94,182 – $99,052
Floyd County	$217,900	$4,733 – $8,608	$48,313 – $52,188
Forsyth County	$550,400	$8,031 – $13,418	$118,111 – $123,498
Franklin County	$179,000	$4,296 – $7,969	$40,096 – $43,769
Fulton County	$458,800	$7,225 – $12,246	$98,985 – $104,006
Gilmer County	$314,000	$5,458 – $9,657	$68,258 – $72,457
Glascock County	$123,800	$3,806 – $7,257	$28,566 – $32,017
Glynn County	$301,300	$5,446 – $9,644	$65,706 – $69,904
Gordon County	$222,900	$4,725 – $8,595	$49,305 – $53,175
Grady County	$152,400	$4,077 – $7,652	$34,557 – $38,132
Greene County	$394,800	$6,391 – $11,022	$85,351 – $89,982
Gwinnett County	$380,900	$6,468 – $11,143	$82,648 – $87,323
Habersham County	$238,300	$4,839 – $8,759	$52,499 – $56,419
Hall County	$350,400	$6,024 – $10,490	$76,104 – $80,570
Hancock County	$88,600	$3,444 – $6,729	$21,164 – $24,449
Haralson County	$227,500	$4,813 – $8,725	$50,313 – $54,225
Harris County	$302,800	$5,604 – $9,880	$66,164 – $70,440
Hart County	$215,100	$4,601 – $8,413	$47,621 – $51,433
Heard County	$186,800	$4,325 – $8,010	$41,685 – $45,370
Henry County	$313,900	$5,729 – $10,063	$68,509 – $72,843
Houston County	$219,800	$4,747 – $8,629	$48,707 – $52,589
Irwin County	$105,600	$3,621 – $6,988	$24,741 – $28,108
Jackson County	$345,000	$6,048 – $10,528	$75,048 – $79,528
Jasper County	$243,400	$4,976 – $8,963	$53,656 – $57,643
Jeff Davis County	$118,300	$3,727 – $7,141	$27,387 – $30,801
Jefferson County	$105,400	$3,599 – $6,955	$24,679 – $28,035
Jenkins County	$92,900	$3,453 – $6,741	$22,033 – $25,321
Johnson County	$94,900	$3,486 – $6,790	$22,466 – $25,770
Jones County	$194,500	$4,531 – $8,316	$43,431 – $47,216
Lamar County	$216,500	$4,723 – $8,594	$48,023 – $51,894
Lanier County	$162,300	$4,203 – $7,836	$36,663 – $40,296
Laurens County	$154,500	$4,035 – $7,588	$34,935 – $38,488
Lee County	$231,800	$4,923 – $8,887	$51,283 – $55,247
Liberty County	$201,500	$4,628 – $8,458	$44,928 – $48,758
Lincoln County	$165,900	$4,239 – $7,890	$37,419 – $41,070
Long County	$218,300	$4,745 – $8,627	$48,405 – $52,287
Lowndes County	$215,600	$4,696 – $8,554	$47,816 – $51,674
Lumpkin County	$307,900	$5,551 – $9,799	$67,131 – $71,379
Macon County	$97,300	$3,518 – $6,837	$22,978 – $26,297
Madison County	$219,700	$4,720 – $8,588	$48,660 – $52,528
Marion County	$154,100	$4,043 – $7,600	$34,863 – $38,420
McDuffie County	$170,200	$4,235 – $7,882	$38,275 – $41,922
McIntosh County	$182,700	$4,357 – $8,060	$40,897 – $44,600
Meriwether County	$168,800	$4,232 – $7,877	$37,992 – $41,637
Miller County	$124,000	$3,861 – $7,340	$28,661 – $32,140
Mitchell County	$106,000	$3,670 – $7,061	$24,870 – $28,261
Monroe County	$271,200	$5,210 – $9,301	$59,450 – $63,541
Montgomery County	$115,500	$3,721 – $7,133	$26,821 – $30,233
Morgan County	$342,300	$5,927 – $10,349	$74,387 – $78,809
Murray County	$180,700	$4,300 – $7,975	$40,440 – $44,115
Muscogee County	$193,900	$4,489 – $8,253	$43,269 – $47,033
Newton County	$265,000	$5,232 – $9,338	$58,232 – $62,338
Oconee County	$461,600	$7,114 – $12,079	$99,434 – $104,399
Oglethorpe County	$231,600	$4,834 – $8,755	$51,154 – $55,075
Paulding County	$326,300	$5,819 – $10,192	$71,079 – $75,452
Peach County	$207,800	$4,688 – $8,546	$46,248 – $50,106
Pickens County	$332,700	$5,770 – $10,117	$72,310 – $76,657
Pierce County	$153,300	$4,065 – $7,634	$34,725 – $38,294
Pike County	$305,600	$5,644 – $9,939	$66,764 – $71,059
Polk County	$187,600	$4,392 – $8,111	$41,912 – $45,631
Pulaski County	$157,600	$4,136 – $7,738	$35,656 – $39,258
Putnam County	$249,300	$4,985 – $8,974	$54,845 – $58,834
Rabun County	$295,200	$5,382 – $9,551	$64,422 – $68,591
Randolph County	$90,200	$3,457 – $6,749	$21,497 – $24,789
Richmond County	$178,500	$4,328 – $8,018	$40,028 – $43,718
Rockdale County	$292,900	$5,433 – $9,627	$64,013 – $68,207
Schley County	$143,900	$3,986 – $7,519	$32,766 – $36,299
Screven County	$124,300	$3,851 – $7,325	$28,711 – $32,185
Seminole County	$121,900	$3,824 – $7,286	$28,204 – $31,666
Spalding County	$228,700	$4,877 – $8,821	$50,617 – $54,561
Stephens County	$175,300	$4,286 – $7,955	$39,346 – $43,015
Stewart County	$65,100	$3,241 – $6,434	$16,261 – $19,454
Sumter County	$120,200	$3,812 – $7,268	$27,852 – $31,308
Talbot County	$117,100	$3,760 – $7,192	$27,180 – $30,612
Taliaferro County	$68,900	$3,259 – $6,460	$17,039 – $20,240
Tattnall County	$140,000	$3,947 – $7,462	$31,947 – $35,462
Taylor County	$87,700	$3,414 – $6,685	$20,954 – $24,225
Telfair County	$113,300	$3,712 – $7,121	$26,372 – $29,781
Terrell County	$118,400	$3,750 – $7,176	$27,430 – $30,856
Thomas County	$196,700	$4,494 – $8,259	$43,834 – $47,599
Tift County	$165,200	$4,196 – $7,825	$37,236 – $40,865
Toombs County	$137,000	$3,916 – $7,417	$31,316 – $34,817
Towns County	$316,100	$5,473 – $9,678	$68,693 – $72,898
Treutlen County	$100,100	$3,502 – $6,811	$23,522 – $26,831
Troup County	$217,200	$4,756 – $8,643	$48,196 – $52,083
Turner County	$97,300	$3,530 – $6,855	$22,990 – $26,315
Twiggs County	$111,300	$3,618 – $6,980	$25,878 – $29,240
Union County	$307,400	$5,484 – $9,698	$66,964 – $71,178
Upson County	$168,700	$4,229 – $7,873	$37,969 – $41,613
Walker County	$197,100	$4,487 – $8,249	$43,907 – $47,669
Walton County	$339,500	$5,926 – $10,348	$73,826 – $78,248
Ware County	$109,500	$3,642 – $7,017	$25,542 – $28,917
Warren County	$67,100	$3,214 – $6,394	$16,634 – $19,814
Washington County	$112,500	$3,682 – $7,076	$26,182 – $29,576
Wayne County	$162,800	$4,149 – $7,755	$36,709 – $40,315
Webster County	$82,600	$3,384 – $6,641	$19,904 – $23,161
Wheeler County	$88,200	$3,371 – $6,620	$21,011 – $24,260
White County	$278,900	$5,263 – $9,379	$61,043 – $65,159
Whitfield County	$218,000	$4,657 – $8,495	$48,257 – $52,095
Wilcox County	$87,600	$3,406 – $6,673	$20,926 – $24,193
Wilkes County	$122,700	$3,799 – $7,248	$28,339 – $31,788
Wilkinson County	$86,300	$3,391 – $6,651	$20,651 – $23,911
Worth County	$104,900	$3,624 – $6,993	$24,604 – $27,973

Estimates for planning only. Cash at closing is the 20% down payment plus closing costs and the buyer's transfer tax.

Frequently asked questions

Answers to common questions about closing on a home in Georgia.

How much are closing costs in Georgia?

With 20% down, buyer closing costs in Georgia run $3,214 in Warren County to $13,418 in Forsyth County, each at its median home value: lender and title fees, appraisal, inspection, recording, and prepaid interest, insurance and property tax. Georgia also taxes the mortgage itself (intangible recording tax): about $414 on a $137,880 loan, included in these figures. Pick your county in the calculator for your own figures.

Does Georgia have a transfer tax, and who pays it?

Yes. Sellers usually pay the 0.1% transfer tax. Real Estate Transfer Tax is $1.00 first $1,000 + $0.10/$100 above (effectively 0.1%), seller pays by custom. Buyers with mortgages ≥62 months also pay Intangible Recording Tax of $1.50/$500 (0.3%) on loan amount (not purchase price), max $25,000 per note. Shorter-term loans exempt as of July 2025.

Do I need an attorney to close on a home in Georgia?

Typically, yes. Georgia is an attorney-closing state, so the calculator includes a real estate attorney fee in the closing cost range.

How much cash do I need to close on a home in Georgia?

With 20% down, cash due at closing in Georgia runs $16,261 in Stewart County to $123,498 in Forsyth County, each at its median home value: the down payment plus closing costs. Georgia also taxes the mortgage itself (intangible recording tax): about $414 on a $137,880 loan, included in these figures.

More on Georgia

Property tax by county, exemptions and median home values are on the Georgia property tax page. Compare other states on the closing cost calculator. How every figure is built is on the methodology page.