Side-by-side comparison of mortgage costs, property taxes, closing costs, and homeowners insurance between Georgia and Montana. Updated for 2026.
Metric
Georgia
Montana
Median Home Price
$340K
$430K
Property Tax Rate
0.92%
0.74%
Avg Closing Costs
$5K
$6K
Closing Cost %
1.5%
1.5%
Transfer Tax
0.1%
None
Homeowners Insurance
$2,200/yr
$2,100/yr
First-Time Buyer Program
Georgia Dream Homeownership
Up to $10,000 DPA
MBOH Regular Bond Program
Up to $15,000 DPA
Verdict
Montana wins 3 of 6 cost categories, making it the more affordable state for homebuyers overall. However, Georgia has a lower total cost when combining home price, closing costs, and insurance. Both states offer first-time buyer programs — explore the state pages for full details.