Market Overview
Home Prices in Fort Oglethorpe, GA
The median home value in Fort Oglethorpe, GA is $248,198 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 0.9% compared to a year ago and down 0.4% from two years prior.
Compared to the U.S. national median of $410,000, homes in Fort Oglethorpe are priced39% below average. Fort Oglethorpe is part of the Chattanooga, TN-GA metro area.
Over the past five years, Fort Oglethorpe home values have risen by approximately34.1%, reflecting strong long-term appreciation in this market.
Price History
Fort Oglethorpe Home Price Trend
City Comparison
Fort Oglethorpe vs. National Median
At $248,198, homes in Fort Oglethorpe cost 39% below the national median of $410,000. This makes Fort Oglethorpe a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Fort Oglethorpe?
20% Down Payment
$49,640
on $248,198
Monthly P&I
$1,294/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,643/mo
incl. taxes & insurance
Income Needed
$65,720
gross annual (30% rule)
10% Down Option
$24,820
+ PMI applies
Loan Amount (20% dn)
$198,558
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Fort Oglethorpe, GA?
The median home value in Fort Oglethorpe is $248,198 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 0.9% year-over-year.
How much have home prices changed in Fort Oglethorpe?
Over the past year, home values in Fort Oglethorpe have increased by 0.9%. Over five years, prices have risen approximately 34.1%.
How much do I need to earn to buy a home in Fort Oglethorpe?
To comfortably afford the median home price of $248,198 with a 20% down payment ($49,640) at today's rates (6.8%), you'd need a gross annual income of approximately $65,720. This assumes keeping total housing costs at or below 30% of gross income.
How does Fort Oglethorpe compare to the national average home price?
The national median home value is approximately $410,000. At $248,198, homes in Fort Oglethorpe are 39% below the national average.
What metro area is Fort Oglethorpe part of?
Fort Oglethorpe is part of the Chattanooga, TN-GA metropolitan area. Home prices and market conditions can vary across the broader metro region.