Richmond County, Georgia: What It Costs to Buy a Home
The median home in Richmond County is worth $163,300, property taxes on it run about $1,440 a year (0.88%), the FHA loan limit is $541,287, and closing on it means about $163 in transfer tax plus $1,078 in title insurance. Each number below opens its own page with the source and a calculator.
| Median home value | $163,300 | Title insurance at this price → |
|---|---|---|
| Property taxes (median paid) | $1,440 a year, 0.88% of value | Property tax page → |
| FHA loan limit (1 unit) | $541,287 | Loan limits page → |
| Conforming loan limit (1 unit) | $832,750 | Loan limits page → |
| Transfer tax on the median home | $163 | Georgia transfer tax page → |
| Title insurance on the median home | $878 owner's + $200 lender's | Title insurance page → |
| Closing costs from these items | $1,241 | Closing costs page → |
| Area median income (HUD, family of 4) | $90,400; low-income limit $72,300 | Income limits page → |
Frequently asked questions
How much do homes cost in Richmond County?
The median owner-occupied home in Richmond County is valued at $163,300, 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 Richmond County?
The median Richmond County homeowner pays $1,440 a year in real estate taxes, about 0.88% of the median home value ($1,695 for homes with a mortgage), per the Census Bureau's American Community Survey.
What is the FHA loan limit in Richmond County?
$541,287 for a one-unit home in 2026 (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 Richmond County?
On the $163,300 median home: transfer tax $163, title insurance $1,078 for both policies, about $1,241 for those items before lender fees, prepaid taxes and insurance.
What is the area median income in Richmond County?
HUD's FY 2026 median family income for Richmond County (Augusta-Richmond County, GA-SC HUD Metro FMR Area) is $90,400. A family of four counts as low income below $72,300 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
- Quitman County $103,000
- Rabun County $272,600
- Randolph County $90,900
- Rockdale County $256,600
- Schley County $152,900
- Screven County $122,300
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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