Current Mortgage Rates in Atlanta, Georgia

Compare mortgage rates and fees for leading lenders in Atlanta, GA. 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 lender offering the best mortgage rates in Atlanta.

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

Mortgage Rates in Atlanta, GA as of September 26, 2020
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Data provided by Brown Bag Marketing, Inc. Payments do not include amounts for taxes and insurance premiums. Read through our lender table disclaimer for more on rates and product details.


How Do Today's Atlanta, GA Mortgage Rates Compare?

September 26, 2020

The current average rate for a 30 year fixed rate mortgage in Atlanta is A.AAA%, the rate for a 15 year fixed rate mortgage is B.BBB% and the rate for a 5/1 adjustable rate mortgage (ARM) is C.CCC%

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

How Affordable is Housing in Atlanta, Georgia?

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

The median home value for Atlanta, GA (Fulton County) is $369,308

Based on current mortgage rates and a 10% down payment, you need to make $66,466 per year to buy the median priced home in Atlanta

With this income, you could qualify for a $332,378 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 Atlanta is $1,539

The median household income for Atlanta, GA (Fulton County) is $64,687

Based on this income, you can afford a home valued at approximately $359,427

The home price you can afford to buy based on household income in Atlanta is 97% of the median home value which means housing prices are expensive. Atlanta (Fulton County) ranks 159 out of 159 counties in Georgia and 3,010 out of 3,142 counties in the United States for housing affordability.

According to the FREEandCLEAR Housing Affordability Index, the housing market in Atlanta, GA is expensive


Loan Limits for Atlanta, Georgia

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

Conforming loan limits for Atlanta, GA

1 unit: $510,400
2 units: $653,550
3 units: $789,950
4 units: $981,700

FHA loan limits for Atlanta, GA

1 unit: $401,350
2 units: $513,800
3 units: $621,050
4 units: $771,850

VA loan limits for Atlanta, GA

1 unit: $510,400

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