Oconee County, Georgia: What It Costs to Buy a Home
The median home in Oconee County is worth $425,100, property taxes on it run about $3,056 a year (0.72%), the FHA loan limit is $616,400, and closing on it means about $425 in transfer tax plus $2,374 in title insurance. Each number below opens its own page with the source and a calculator.
| Median home value | $425,100 | Title insurance at this price → |
|---|---|---|
| Property taxes (median paid) | $3,056 a year, 0.72% of value | Property tax page → |
| FHA loan limit (1 unit) | $616,400 | Loan limits page → |
| Conforming loan limit (1 unit) | $832,750 | Loan limits page → |
| Transfer tax on the median home | $425 | Georgia transfer tax page → |
| Title insurance on the median home | $2,174 owner's + $200 lender's | Title insurance page → |
| Closing costs from these items | $2,799 | Closing costs page → |
| Area median income (HUD, family of 4) | $100,100; low-income limit $80,100 | Income limits page → |
Frequently asked questions
How much do homes cost in Oconee County?
The median owner-occupied home in Oconee County is valued at $425,100, per U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25077 (median value of owner-occupied housing units).
How much are property taxes in Oconee County?
The median Oconee County homeowner pays $3,056 a year in real estate taxes, about 0.72% of the median home value ($3,118 for homes with a mortgage), per the Census Bureau's American Community Survey.
What is the FHA loan limit in Oconee County?
$616,400 for a one-unit home in 2026 (a high-cost limit above the national floor), per HUD; the conforming limit for Fannie Mae and Freddie Mac loans is $832,750, per FHFA.
What does it cost to close on a home in Oconee County?
On the $425,100 median home: transfer tax $425, title insurance $2,374 for both policies, about $2,799 for those items before lender fees, prepaid taxes and insurance.
What is the area median income in Oconee County?
HUD's FY 2026 median family income for Oconee County (Athens-Clarke County, GA MSA) is $100,100. A family of four counts as low income below $80,100 under HUD's 80% tier (adjusted for local housing costs, so it can sit above 80% of the median), which is the line many first-time buyer assistance programs use.
Nearby Georgia counties
- Murray County $173,300
- Muscogee County $182,300
- Newton County $233,300
- Oglethorpe County $198,700
- Paulding County $289,000
- Peach County $186,100
Sources
- U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25077 (median value of owner-occupied housing units)
- U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25103 (median real estate taxes paid)
- HUD, FHA forward mortgage loan limits for calendar year 2026 (CHUMS county limits file, Mortgagee Letter 2025-23)
- FHFA, conforming loan limits for mortgages acquired in calendar year 2026, by county
Figures are computed from the documents above and rounded to the dollar. All sources.
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General information, not financial, tax or legal advice. Figures are medians and schedule computations, not quotes.
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