A Breakdown of the Cost of Living in Georgia
- Housing in Georgia is 23% lower than the national average. The median home price in Georgia is $410,484.81, compared to the national median. A 20% down payment comes in just under $67,200, leaving more room for renovations, closing costs, or moving expenses. Mortgage payments in Georgia are 10% to 15% lower than what you'd pay in most other states, especially outside metro Atlanta.
- Rent in Georgia is 6.4% higher than the US average. The average rent for one-bedroom units averages $1,400, with two-bedrooms at $1,600. Most rentals include essentials like air conditioning and off-street parking, but luxury amenities (gyms, pools, in-unit laundry) are typically limited to newer buildings or urban developments. Rents drop even lower in cities like Macon, Albany, and Valdosta.
- Utilities in Georgia are 3% lower than average. Monthly utilities cost $400 to $600 for a standard household, and include electricity, water, gas, and internet. Georgia’s hot summers mean higher AC usage, but its mild winters keep heating costs down. HOA fees are less common, but can range from $150 to $350 monthly in some suburban neighborhoods or condo communities.
- Food in Georgia costs 1% higher than the national average. A family of four spends $1,300 to $1,500 monthly on groceries. For a single adult, it’s closer to $350 to $450, depending on eating habits and location. Georgia’s farmers markets are hard to beat if you’re looking for fresh produce and lower prices, especially during peach season.
- Transportation in Georgia costs 1.57% higher than the national average. Gas prices average $3.02 per gallon statewide. Car insurance costs about $85 to $250 per month, which is below the national average. In metro Atlanta, the MARTA system offers public transit with monthly passes at $95. But outside of that, most residents rely on personal vehicles. Parking and tolls are manageable in most cities, though Atlanta traffic can present a challenge.
- Healthcare in Georgia is 4.05% lower than the US average. A standard check-up costs $100 to $400, while an uninsured ER visit can exceed $1,700. Major healthcare systems like Emory Healthcare in Atlanta and Augusta University Health anchor the state’s medical network. Rural areas also maintain reasonable access through regional hospitals and clinics.
- Miscellaneous costs in Georgia are 1.13% lower than the US average. From fitness memberships ($30 to $70 a month) to entertainment and weekend travel, day-to-day extras shouldn’t break the bank. Dinner for two at a mid-range restaurant averages $50 to $75, while movie tickets average $15 each. Outdoor lovers will appreciate the free or low-cost access to Georgia’s parks, hiking trails, and historic sites.
Moving to Georgia? Be ready for slightly higher costs in cities like Atlanta—but southern charm and mild winters come free! 👉 Next Step: Compare single-family homes in Georgia.
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Browse Homes For Sale in GeorgiaIs Living in Georgia Expensive?
With a budget of $350K, you can buy a well-kept single-family home in cities like Warner Robins, Augusta, or parts of metro Atlanta. In contrast, that same amount might only cover a studio or small condo in Los Angeles or Boston. Georgia generally offers more square footage, lower bills, and a better shot at long-term affordability for middle-class home buyers.
Housing in Georgia
Utilities in Georgia
Food and Groceries in Georgia
Transportation in Georgia
Healthcare in Georgia
Miscellaneous Costs in Georgia
What Salary Do You Need to Live in Georgia?
- Homeowners spend $92,770.00 per annum: This covers mortgage payments, property taxes, insurance, utilities, groceries, and basic transportation. Most homeowners in Georgia benefit from the state’s lower housing costs, especially outside metro areas, which helps keep annual spending in check.
- Renters spend $54,198.00 per annum: Annual expenses for renters include monthly rent, utilities, food, transportation, and personal spending. While rent in Georgia is 6.4% below the national average, urban centers like Atlanta can still strain your budget, particularly for single-income households.
- Families with kids spend $98,374.00 per annum: Larger homes, childcare, healthcare, and food for growing kids push costs significantly higher. Even with Georgia’s relatively affordable housing, school-related expenses and extracurriculars make this the most expensive household type to support.
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Data provided by Redfin, a national real estate brokerage.



