Market Overview
Home Prices in Montezuma, GA
The median home value in Montezuma, GA is $97,973 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 7.8% compared to a year ago and down 13.9% from two years prior.
Compared to the U.S. national median of $410,000, homes in Montezuma are priced76% below average.
Over the past five years, Montezuma home values have risen by approximately18.1%, reflecting steady appreciation in this market.
Price History
Montezuma Home Price Trend
2020
$65,316
$65K
—
2021
$82,938
$83K
+27.0%
2022
$88,815
$89K
+7.1%
2023
$85,333
$85K
-3.9%
2024
$105,557
$106K
+23.7%
2025
$90,910
$91K
-13.9%
2026
$97,973
$98K
+7.8%
City Comparison
Montezuma vs. National Median
🏠 Montezuma
$97,973
National Median
$410,000
At $97,973, homes in Montezuma cost 76% below the national median of $410,000. This makes Montezuma a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Montezuma?
20% Down Payment
$19,595
on $97,973
Monthly P&I
$511/mo
30-yr @ 6.8%
Total Monthly Est.
~$649/mo
incl. taxes & insurance
Income Needed
$25,960
gross annual (30% rule)
10% Down Option
$9,797
+ PMI applies
Loan Amount (20% dn)
$78,378
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 Montezuma, GA?
The median home value in Montezuma is $97,973 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 7.8% year-over-year.
How much have home prices changed in Montezuma?
Over the past year, home values in Montezuma have increased by 7.8%. Over five years, prices have risen approximately 18.1%.
How much do I need to earn to buy a home in Montezuma?
To comfortably afford the median home price of $97,973 with a 20% down payment ($19,595) at today's rates (6.8%), you'd need a gross annual income of approximately $25,960. This assumes keeping total housing costs at or below 30% of gross income.
How does Montezuma compare to the national average home price?
The national median home value is approximately $410,000. At $97,973, homes in Montezuma are 76% below the national average.