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Mortgage Calculator &
Closing Costs: Columbus, GA

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

Median Home Price
$185K
Population
207K
Avg Monthly Rent
$1,020
Property Tax Rate
0.92%
Columbus vs Georgia Median
The median home price in Columbus is $185,000, which is 46% below the Georgia state median of $340,000.

Mortgage Calculator — Columbus, GA

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

$
$37,000
%
%
years
GA avg
%
$
Monthly Payment (PITI)
$1,260
Principal + Interest + Tax + Insurance + PMI
Principal & Interest
$935
per month
Taxes & Insurance
$325
per month
Total Interest Paid
$189K
over 30 years
Total Loan Cost
$337K
all payments
Payment Breakdown
Loan Amount$148,000
Principal & Interest$935
Property Taxes$142
Homeowners Insurance$183
Total Monthly PITI$1,260

Closing Costs — Columbus, GA

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

$
%
Georgia: Avg closing costs 1.5% of price. Transfer tax: 0.1%.
Estimated Closing Costs
$8,179
4.4% of purchase price
Lender Fees
$1,757
origination, underwriting
Third-Party
$2,375
appraisal, title, inspection
Government Fees
$185
transfer taxes, recording
Prepaids + Escrow
$3,862
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$1,332
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$1,225
Recording Fee$150
Transfer Tax$185
Prepaid Taxes (3 mo)$426
Prepaid Insurance (12 mo)$2,200
Prepaid Interest (15 days)$445
Escrow Reserves$792
Total Closing Costs$8,179

Buying a Home in Columbus, Georgia

The median home price in Columbus is $185,000, 46% below the Georgia state median of $340,000. With a population of 206,922, Columbus is a mid-size city where home prices tend to be more accessible than in many parts of Georgia.

Property taxes in Georgia average 0.92% annually. This moderate property tax rate means a $185,000 home in Columbus would carry roughly $142/month in property taxes. Homeowners insurance in Georgia runs approximately $2,200 per year. This is within the normal range nationally.

Average rent in Columbus is $1,020/month. The price-to-rent ratio in Columbus is moderate, meaning the buy-vs-rent decision depends heavily on how long you plan to stay.

Columbus offers strong affordability. With median prices under $250K, first-time buyers have realistic paths to homeownership, especially combined with Georgia's Georgia Dream Homeownership program.

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