CALCMONEY // HOME AFFORDABILITY // GA // ROSWELL
How much house can you afford in Roswell? Based on local median home prices, current GA mortgage rates, and Roswell property tax data.
$780,000
$5,085/mo
$217,914/yr
$443,807
Monthly housing costs of $5,085 represent 43.0% of Roswell's median gross monthly income ($11,833/mo). At 43.0%, median-income buyers in Roswell are significantly stretched — well above the 28% guideline. A larger down payment or higher income is required.
| Median Home Price | $780,000 |
| Down Payment (20%) | $156,000 |
| Loan Amount | $624,000 |
| Monthly PI Payment | $4,110 |
| Monthly Property Tax | $650 |
| Monthly Insurance Est. | $325 |
| Total Monthly PITI | $5,085 |
| Housing Cost % of Income | 43.0% |
| Required Income (28% rule) | $217,914/yr |
| Max Affordable Home | $443,807 |
$27,300
$6,465/mo
Roswell Home Affordability Quick Reference 2026
| Metric | Value | Notes |
|---|---|---|
| Median Home Price | $780,000 | Roswell city median |
| Down Payment (20%) | $156,000 | Conventional loan |
| Monthly PITI | $5,085 | 6.9% rate, 30yr fixed |
| Required Income (28% rule) | $217,914 | Annual gross |
| Max Affordable Home | $443,807 | Based on median income |
| FHA Down (3.5%) | $27,300 | Minimum FHA |
| Housing Cost % of Income | 43.0% | Median income: $142,000/yr |
| Property Tax Rate | 1% | $7,800/yr on median home |
Monthly PITI includes principal, interest, property tax, and homeowners insurance. Estimates only.
The median home price in Roswell is $780,000, with a local 30-year mortgage rate of 6.9%. A buyer putting 20% down carries a loan of $624,000, generating a monthly P&I payment of $4,110. Adding property taxes ($650/mo) and homeowners insurance ($325/mo) brings total monthly PITI to $5,085.
Roswell's property tax rate of 1% is near the national average, adding a standard increment to monthly housing costs. On the Roswell median home, that is $650/month, or $7,800 per year.
Georgia levies a state income tax, which affects take-home pay and effective buying power. High-income earners in Roswell should factor state tax liability into their overall housing budget — mortgage interest may be deductible on both federal and state returns.
Using the 28% rule, a household earning Roswell's median income of $142,000/year can afford up to $3,313/month in total housing costs. Based on Roswell's mortgage rate of 6.9% and property tax rate of 1%, that translates to a maximum affordable home price of approximately $443,807 with 20% down on a 30-year loan.
To afford the median Roswell home priced at $780,000, you need an annual gross income of approximately $217,914. Total monthly housing costs (principal and interest of $4,110, property taxes of $650, and insurance of $325) come to $5,085/month, which equals 28% of the required income.
At the median home price of $780,000 and median household income of $142,000, the total monthly housing cost of $5,085 represents 43.0% of gross monthly income. This is well above the standard 28% threshold, making Roswell a challenging market for buyers at median income.
A conventional 20% down payment on the median Roswell home of $780,000 is $156,000. An FHA loan requires just 3.5% down — $27,300 — but adds mortgage insurance of roughly $533/month, bringing total FHA payments to $6,465/month.