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Mortgage Calculator &
Closing Costs: Warner Robins, GA

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

Median Home Price
$215K
Population
80K
Avg Monthly Rent
$1,120
Property Tax Rate
0.92%
Warner Robins vs Georgia Median
The median home price in Warner Robins is $215,000, which is 37% below the Georgia state median of $340,000.

Mortgage Calculator — Warner Robins, GA

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

$
$43,000
%
%
years
GA avg
%
$
Monthly Payment (PITI)
$1,435
Principal + Interest + Tax + Insurance + PMI
Principal & Interest
$1,087
per month
Taxes & Insurance
$348
per month
Total Interest Paid
$219K
over 30 years
Total Loan Cost
$391K
all payments
Payment Breakdown
Loan Amount$172,000
Principal & Interest$1,087
Property Taxes$165
Homeowners Insurance$183
Total Monthly PITI$1,435

Closing Costs — Warner Robins, GA

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

$
%
Georgia: Avg closing costs 1.5% of price. Transfer tax: 0.1%.
Estimated Closing Costs
$8,786
4.1% of purchase price
Lender Fees
$1,973
origination, underwriting
Third-Party
$2,525
appraisal, title, inspection
Government Fees
$215
transfer taxes, recording
Prepaids + Escrow
$4,073
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$1,548
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$1,375
Recording Fee$150
Transfer Tax$215
Prepaid Taxes (3 mo)$495
Prepaid Insurance (12 mo)$2,200
Prepaid Interest (15 days)$517
Escrow Reserves$861
Total Closing Costs$8,786

Buying a Home in Warner Robins, Georgia

The median home price in Warner Robins is $215,000, 37% below the Georgia state median of $340,000. With a population of 80,308, Warner Robins is a smaller market 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 $215,000 home in Warner Robins would carry roughly $165/month in property taxes. Homeowners insurance in Georgia runs approximately $2,200 per year. This is within the normal range nationally.

Average rent in Warner Robins is $1,120/month. The price-to-rent ratio in Warner Robins is moderate, meaning the buy-vs-rent decision depends heavily on how long you plan to stay.

Warner Robins 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.

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