The calculator below is pre-filled with Gwinnett County's own property tax rate and insurance average (expand "More options" to see or edit them) — not just Georgia's statewide figures.

Gwinnett County at a glance

Effective property tax rate: 0.96% of home value / year
Median home price: $401,900
Conforming loan limit (1-unit, 2026): $832,750

County data last updated 2026-08-20. FIPS 13135. Full source list on /methodology.

Gwinnett County, GA mortgage payment calculator

All-in cost first, always — pre-filled with Gwinnett County tax and insurance figures. Estimate only, not a loan quote or pre-approval.

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PMI removal calculator

When your PMI is scheduled to end, by law and by request.

Mortgage points calculator

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Related reading

Closing Costs in Georgia: What You'll Actually Pay

Georgia taxes the sale price and the loan amount separately. Here's what closing on a $360,000 Georgia home really costs, including the $864 intangible tax.

What Is PMI, and How Do You Get Rid of It?

Private mortgage insurance explained in plain English — what it costs, why it exists, the exact federal rules for cancelling it, and how to work out the month your PMI is scheduled to end.

Guides & templates

Buying a Home With Someone Else

The operational guide to buying property with a partner, friend, sibling, or parent — credit and DTI mechanics, title vesting, a clause-by-clause co-ownership agreement, and how the exit actually works.

The First-Time Buyer's Playbook: 12 Months to Closing Day

A month-by-month plan for the year before you buy: what to do in each phase, what never to touch, how to document every dollar, and how to survive closing day.

Georgia at a glance

Median home price: $360,000
Typical closing costs: 2%–5% of price
Transfer tax: 0.1% of sale price, customarily paid by seller
Closing custom: attorney
Homestead exemption: Georgia's statutory standard homestead exemption is modest — $2,000 off the assessed value (40% of fair market value) for county and school taxes on an owner-occupied primary residence, worth only a small dollar amount of actual tax relief on its own. Far more relief in practice comes from local-option exemptions layered on top by individual counties/cities/school districts via local legislation (amounts and eligibility vary widely — some jurisdictions offer several thousand dollars off assessed value, age-65+/senior floating exemptions, or school-tax freezes), plus statewide age-62/65+ and disabled-veteran/surviving-spouse exemptions with their own income and age tests. Not automatic — homeowners must file an application with their county tax assessor's/tax commissioner's office (deadline is generally the same date property tax returns are due, commonly April 1) and must have owned and occupied the home as their legal residence as of January 1 of the tax year.

First-time buyer / down payment assistance programs

Georgia Dream Homeownership Program
Georgia's primary state Housing Finance Agency (Georgia Department of Community Affairs, DCA) first-mortgage program for first-time homebuyers (defined as not having owned and occupied a home in the prior 3 years) statewide. Pairs a market-rate 30-year fixed mortgage with a 0%-interest, deferred-repayment down payment/closing cost assistance loan (up to $10,000 or 5% of the purchase price, whichever is less, repaid only at sale/refinance/payoff); an enhanced 'PEN Choice' assistance tier is available for protectors, educators, and nurses. Requires a minimum $1,000 borrower contribution and completion of HUD-approved homebuyer counseling/education.
Georgia Dream Peach Plus
A DCA Georgia Dream product with expanded eligibility versus the core program: open to both first-time AND repeat buyers, with a higher purchase price limit and higher income limits. Also pairs with down payment/closing cost assistance on the same terms as the core program.