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Mortgage Calculator &
Closing Costs: Roswell, GA

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

Median Home Price
$485K
Population
94K
Avg Monthly Rent
$1,820
Property Tax Rate
0.92%
Roswell vs Georgia Median
The median home price in Roswell is $485,000, which is 43% above the Georgia state median of $340,000.

Mortgage Calculator — Roswell, GA

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

$
$97,000
%
%
years
GA avg
%
$
Monthly Payment (PITI)
$3,007
Principal + Interest + Tax + Insurance + PMI
Principal & Interest
$2,452
per month
Taxes & Insurance
$555
per month
Total Interest Paid
$495K
over 30 years
Total Loan Cost
$883K
all payments
Payment Breakdown
Loan Amount$388,000
Principal & Interest$2,452
Property Taxes$372
Homeowners Insurance$183
Total Monthly PITI$3,007

Closing Costs — Roswell, GA

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

$
%
Georgia: Avg closing costs 1.5% of price. Transfer tax: 0.1%.
Estimated Closing Costs
$14,241
2.9% of purchase price
Lender Fees
$3,917
origination, underwriting
Third-Party
$3,875
appraisal, title, inspection
Government Fees
$485
transfer taxes, recording
Prepaids + Escrow
$5,964
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$3,492
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$2,725
Recording Fee$150
Transfer Tax$485
Prepaid Taxes (3 mo)$1,116
Prepaid Insurance (12 mo)$2,200
Prepaid Interest (15 days)$1,166
Escrow Reserves$1,482
Total Closing Costs$14,241

Buying a Home in Roswell, Georgia

The median home price in Roswell is $485,000, 43% above the Georgia state median of $340,000. With a population of 94,034, Roswell 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 $485,000 home in Roswell would carry roughly $372/month in property taxes. Homeowners insurance in Georgia runs approximately $2,200 per year. This is within the normal range nationally.

Average rent in Roswell is $1,820/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.

Roswell is a higher-cost market. At $485K 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 Roswell.
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