Compare Current Athens, Georgia Mortgage Rates

Compare Athens, 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 Athens.

We recommend that you contact at least five lenders as shopping multiple lenders is the best way to save money on your mortgage in Athens. Plus, shopping lenders is free and there is no obligation.

Athens, GA Mortgage Rates as of February 8, 2023
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Data provided by Icanbuy. Payments do not include amounts for taxes and insurance premiums. Read through our lender table disclaimer for more information on rates and product details.

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Compare Today's Athens, GA Mortgage Rates

February 8, 2023

Current mortgage rates in Athens, GA are % for a 30 year fixed rate loan, % for a 15 year fixed loan and % for a 5/1 adjustable rate mortgage (ARM)

Mortgage Program
Athens, GA Rates
30 Year Fixed Rate
15 Year Fixed Rate
5/1 Adjustable Rate Mortgage

How Affordable is Housing in Athens, Georgia?

Below we provide helpful information on the real estate market, home prices and housing affordability in Athens. Understand how much you need to earn to afford a home in Athens, including the mortgage you need to qualify for. Review the monthy payment so you can determine if owning a house in Athens 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 Athens is right for you.

The median home value for Athens, GA (Clarke County) is $248,887

Based on current mortgage rates and a 10% down payment, you need to make $40,779 per year to buy the median priced home in Athens

With this income, you could qualify for a $223,999 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 Athens is $944

The median household income for Athens, GA (Clarke County) is $43,018

Based on this income, you can afford a home valued at approximately $262,549

The home price you can afford to buy based on household income in Athens is 105% of the median home value which means housing prices are average. Athens (Clarke County) ranks 159 out of 159 counties in Georgia and 2,989 out of 3,142 counties in the United States for housing affordability.

According to the FREEandCLEAR Housing Affordability Index, the housing market in Athens, GA is average


Loan Limits for Athens, Georgia

Mortgage limits affect your loan terms, mortgage program eligibility and what price home you can afford. Review the loan limits for Athens (Clarke County) below.

Conforming loan limits for Athens, GA

1 unit: $647,200
2 units: $828,700
3 units: $1,001,650
4 units: $1,244,850

FHA loan limits for Athens, GA

1 unit: $457,700
2 units: $585,950
3 units: $708,250
4 units: $880,200

VA loan limits for Athens, GA

1 unit: $647,200

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