Mortgage Rates
Current mortgage rates and market information to help inform your real estate decisions.
Georgia Mortgage Rates Overview
As of early 2026, Georgia's average 30-year fixed rate sits in the mid-to-upper 6% range. The 15-year fixed runs roughly 0.5%–0.75% lower. FHA loans remain competitive for buyers with moderate credit, and 5/1 ARMs offer lower initial rates for shorter hold periods. Metro Atlanta continues to lead demand statewide.
View Full Georgia Rate Details30-Year Fixed
The most common mortgage type. Stable monthly payments over the life of the loan, making long-term budgeting predictable.
15-Year Fixed
Higher monthly payments but significantly less interest paid over the life of the loan. Builds equity faster.
5/1 ARM
Adjustable-rate mortgage with a fixed rate for the first 5 years, then adjusts annually. Often starts lower than fixed options.
FHA 30-Year
Government-backed loan with lower down payment requirements. Popular for first-time homebuyers and those with moderate credit.
Jumbo
For loan amounts exceeding conforming limits ($766,550 in most areas). Typically requires stronger credit, larger down payment, and more reserves.
Ready to Understand Your Options?
Market conditions are one factor in your real estate decisions. Schedule a consult to discuss how timing and rates affect your situation.
Additional Resources
Compare current rates side by side.
Historical data and weekly averages.
Federal guide to the mortgage process.
Weekly 30-year and 15-year benchmarks.
FHA loans, DPA, and homebuyer education.
State down payment assistance for GA buyers.