Compare Augusta, GA mortgage rates and fees from top lenders. Review free, personalized mortgage rates based on your specifc loan amount, program and other factors. Easily compare APRs, closing costs and monthly payments to find the lowest mortgage rates in Augusta.
We recommend that you contact at least five lenders as shopping multiple lenders is the best way to save money on your mortgage in Augusta. Plus, shopping lenders is free and there is no obligation.
September 11, 2025
Below we provide helpful information on the real estate market, home prices and housing affordability in Augusta. Understand how much you need to earn to afford a home in Augusta, including the mortgage you need to qualify for. Review the monthy payment so you can determine if owning a house in Augusta fits your budget. This information is based on proprietary analysis you can only find on FREEandCLEAR and we offer it to help you decide if living in Augusta is right for you.
The median home value for Augusta, GA (Richmond County) is $151,387
Based on current mortgage rates and a 10% down payment, you need to make $31,582 per year to buy the median priced home in Augusta
With this income, you could qualify for a $136,248 mortgage, assuming your monthly debt expense is reasonable
Based on this loan amount, the monthly mortgage payment required to buy the median priced home in Augusta is $731
The median household income for Augusta, GA (Richmond County) is $48,749
Based on this income, you can afford a home valued at approximately $233,680
The home price you can afford to buy based on household income in Augusta is 154% of the median home value which means housing prices are average. Augusta (Richmond County) ranks 88 out of 159 counties in Georgia and 1,764 out of 3,142 counties in the United States for housing affordability.
According to the FREEandCLEAR Housing Affordability Index, the housing market in Augusta, GA is average
Mortgage limits affect your loan terms, mortgage program eligibility and what price home you can afford. Review the loan limits for Augusta (Richmond County) below.
Conforming loan limits for Augusta, GA
FHA loan limits for Augusta, GA