MonitorBankRates
☰
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

Young Harris, GA Housing Affordability Index

Young Harris, Georgia has an MBR Housing Affordability Index score of 90.9 (Near National Average) as of October 30, 2026, ranking 476th most affordable of 519 scored Georgia cities, compared with 105.8 statewide and 97.4 nationally. On a median-priced $295,200 home with 20% down, the Georgia average 30-year fixed rate of 7.28% means a monthly principal and interest payment of about $1,616, or 62% of the city’s $31,316 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Young Harris 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.

Young Harris MBR-HAI 90.9 Near National Average
Rank in Georgia 476 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 $295,200 U.S. Census Bureau

Young Harris is 14.9 points below the Georgia score. Scores as of October 30, 2026. See the Georgia index

View Young Harris Mortgage Rates

What It Takes to Buy in Young Harris

$1,616/mo
Principal & Interest
Median home, 20% down, 7.28%
$69,300
Income Needed
To keep the payment at 28% of income
$31,316
Median Household Income
Georgia: $77,353
9.4x
Price-to-Income Ratio
Georgia: 3.9x
$886/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,523/yr
Median Property Tax
0.52% of median value
7.3%
Owner Cost Burden
Owners spending 30%+ of income on housing
73.9%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Young Harris Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Young Harris, Georgia score: 90.9 (Near National Average), ranked 476 of 519 Georgia cities. monitorbankrates.com/housing-affordability-index/georgia/young-harris”