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New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report

Milner, GA Housing Affordability Index

Milner, Georgia has an MBR Housing Affordability Index score of 102.5 (Near National Average) as of October 30, 2026, ranking 404th most affordable of 519 scored Georgia cities, compared with 105.8 statewide and 97.4 nationally. On a median-priced $240,900 home with 20% down, the Georgia average 30-year fixed rate of 7.28% means a monthly principal and interest payment of about $1,319, or 23% of the city’s $67,476 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Milner is updated every night from live Georgia mortgage rates and U.S. Census Bureau income, home value and housing cost data for the city. A score of 100 equals the national average; higher scores mean homeownership is more affordable.

Milner MBR-HAI 102.5 Near National Average
Rank in Georgia 404 of 519 1 = most affordable
Georgia 105.8 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.28% Georgia lenders
Median home value $240,900 U.S. Census Bureau

Milner is 3.3 points below the Georgia score. Scores as of October 30, 2026. See the Georgia index

View Milner Mortgage Rates

See What You Can Afford in Milner, Georgia

Use this Milner, Georgia home affordability calculator to see how much house you can afford at today’s Georgia average 30-year mortgage rate of 7.28%. A household earning the Milner median income of $67,476, with no other debts and $48,000 down, can afford a home of about $231,747, compared with a median home value of $240,900. Buying the median priced home with 20% down takes a household income of about $70,600 once property tax and insurance are counted.

Milner median (Census)
Car, student loan, card minimums
Under 20% adds PMI
Georgia average, 30-year fixed
Milner median bill (Census)
Estimate; use your quote
You can afford a home up to
$231,747
Below the Milner median home value of $240,900
Loan amount$183,747
Principal & interest$1,258/mo
Property tax$220/mo
Home insurance$97/mo
PMI$0/mo
Total monthly payment$1,574/mo
Compare Milner Mortgage Rates

How much house can you afford in Milner?

Most lenders use two limits. Your housing payment, including principal, interest, property tax, homeowners insurance and any PMI, should stay under about 28% of your gross monthly income, and all of your monthly debt payments together should stay under about 36%. The calculator takes whichever limit is lower, then works backward from that payment to the most expensive home it covers at the current rate.

In Milner, property taxes run about 1.14% of a home’s value each year, based on the Census median tax bill, which counts against the same monthly budget as the mortgage. Each quarter point move in mortgage rates changes the price you can afford by roughly $3,740 for a median income household. A larger down payment, paying down other debts, or a lower rate from a local lender all raise your budget.

What It Takes to Buy in Milner

$1,319/mo
Principal & Interest
Median home, 20% down, 7.28%
$56,500
Income Needed
To keep principal and interest at 28% of income
$67,476
Median Household Income
Georgia: $77,353
3.6x
Price-to-Income Ratio
Georgia: 3.9x
$1,317/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$2,738/yr
Median Property Tax
1.14% of median value
38.4%
Owner Cost Burden
Owners spending 30%+ of income on housing
60.5%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Milner, Georgia. The rate is the Georgia average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.

Cite the Milner Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Milner, Georgia score: 102.5 (Near National Average), ranked 404 of 519 Georgia cities. monitorbankrates.com/housing-affordability-index/georgia/milner”