How your housing costs change when you relocate. Based on 2026 data with 10% down, 6.5% rate, 30-year fixed.
Your housing costs will increase by approximately $86 per month ($1,032/year) when you move from Tennessee to Georgia.
If you sell your median-priced Tennessee home ($340K) and buy in Georgia ($340K):
Your Tennessee equity covers the 20% down payment on a median Georgia home with $34K left over. That surplus can cover closing costs, moving expenses, or go into savings.
Over 10 years, this move costs you approximately $10K in housing costs alone.
Watch out for Georgia's 0.92% property tax rate — that's $1,224 more per year than you're used to in Tennessee (0.56%). Property taxes are often the hidden cost that surprises relocating buyers.
When you buy in Georgia, expect about $5K in closing costs (1.5% of purchase price). This includes a 0.1% transfer tax. Budget for this amount on top of your down payment.
Georgia's Georgia Dream Homeownership offers Up to $10,000 DPA. If you haven't owned a home in three years (or are buying in Georgia for the first time), you may qualify. Check eligibility requirements and income limits on Georgia's housing finance agency website.