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Mortgage Calculator &
Closing Costs: Alpharetta, GA

Mortgage payment estimates, closing cost breakdowns, and homebuying data for Alpharetta, Georgia.

Median Home Price
$545K
Population
67K
Avg Monthly Rent
$1,950
Property Tax Rate
0.92%
Alpharetta vs Georgia Median
The median home price in Alpharetta is $545,000, which is 60% above the Georgia state median of $340,000.

Mortgage Calculator — Alpharetta, GA

Pre-filled with Alpharetta median home price and Georgia tax/insurance rates. Adjust for your property.

$
$109,000
%
%
years
GA avg
%
$
Monthly Payment (PITI)
$3,357
Principal + Interest + Tax + Insurance + PMI
Principal & Interest
$2,756
per month
Taxes & Insurance
$601
per month
Total Interest Paid
$556K
over 30 years
Total Loan Cost
$992K
all payments
Payment Breakdown
Loan Amount$436,000
Principal & Interest$2,756
Property Taxes$418
Homeowners Insurance$183
Total Monthly PITI$3,357

Closing Costs — Alpharetta, GA

Estimated closing costs based on Georgia rates and fees applied to Alpharetta prices.

$
%
Georgia: Avg closing costs 1.5% of price. Transfer tax: 0.1%.
Estimated Closing Costs
$15,453
2.8% of purchase price
Lender Fees
$4,349
origination, underwriting
Third-Party
$4,175
appraisal, title, inspection
Government Fees
$545
transfer taxes, recording
Prepaids + Escrow
$6,384
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$3,924
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$3,025
Recording Fee$150
Transfer Tax$545
Prepaid Taxes (3 mo)$1,254
Prepaid Insurance (12 mo)$2,200
Prepaid Interest (15 days)$1,310
Escrow Reserves$1,620
Total Closing Costs$15,453

Buying a Home in Alpharetta, Georgia

The median home price in Alpharetta is $545,000, 60% above the Georgia state median of $340,000. With a population of 66,566, Alpharetta is a smaller market where home prices reflect strong demand and local economic factors.

Property taxes in Georgia average 0.92% annually. This moderate property tax rate means a $545,000 home in Alpharetta would carry roughly $418/month in property taxes. Homeowners insurance in Georgia runs approximately $2,200 per year. This is within the normal range nationally.

Average rent in Alpharetta is $1,950/month. With a price-to-rent ratio above 20, renting could be more economical in the short term — use our Rent vs Buy calculator to model your specific timeline.

Alpharetta is a higher-cost market. At $545K median, buyers need significant savings or strong income. Down payment assistance through Georgia's Georgia Dream Homeownership program becomes especially important.

Run a Rent vs Buy analysis
Compare total costs of renting vs buying in Alpharetta.
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