Spalding County, Georgia: What It Costs to Buy a Home
The median home in Spalding County is worth $196,600, property taxes on it run about $1,897 a year (0.96%), the FHA loan limit is $718,750, and closing on it means about $197 in transfer tax plus $1,243 in title insurance. Each number below opens its own page with the source and a calculator.
| Median home value | $196,600 | Title insurance at this price → |
|---|---|---|
| Property taxes (median paid) | $1,897 a year, 0.96% of value | Property tax page → |
| FHA loan limit (1 unit) | $718,750 | Loan limits page → |
| Conforming loan limit (1 unit) | $832,750 | Loan limits page → |
| Transfer tax on the median home | $197 | Georgia transfer tax page → |
| Title insurance on the median home | $1,043 owner's + $200 lender's | Title insurance page → |
| Closing costs from these items | $1,440 | Closing costs page → |
| Area median income (HUD, family of 4) | $117,800; low-income limit $94,250 | Income limits page → |
Frequently asked questions
How much do homes cost in Spalding County?
The median owner-occupied home in Spalding County is valued at $196,600, 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 Spalding County?
The median Spalding County homeowner pays $1,897 a year in real estate taxes, about 0.96% of the median home value ($2,067 for homes with a mortgage), per the Census Bureau's American Community Survey.
What is the FHA loan limit in Spalding County?
$718,750 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 Spalding County?
On the $196,600 median home: transfer tax $197, title insurance $1,243 for both policies, about $1,440 for those items before lender fees, prepaid taxes and insurance.
What is the area median income in Spalding County?
HUD's FY 2026 median family income for Spalding County (Atlanta-Sandy Springs-Roswell, GA HUD Metro FMR Area) is $117,800. A family of four counts as low income below $94,250 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
- Schley County $152,900
- Screven County $122,300
- Seminole County $111,600
- Stephens County $168,200
- Stewart County $53,000
- Sumter 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.
Every Georgia county → Georgia closing costs →
General information, not financial, tax or legal advice. Figures are medians and schedule computations, not quotes.
Counties in every state