Mortgage payment estimates, closing cost breakdowns, and homebuying data for Dalton, Georgia.
Median Home Price
$215K
Population
34K
Avg Monthly Rent
$1,020
Property Tax Rate
0.92% *
* Property tax shown is the Georgia state average effective rate. Actual rates vary by county, city, and school district — check with your local assessor for exact rates in Dalton.
Dalton vs Georgia Median
The median home price in Dalton is $215,000, which is 37% below the Georgia state median of $340,000.
Mortgage Calculator — Dalton, GA
Pre-filled with Dalton median home price and Georgia tax/insurance rates. Adjust for your property.
Three down payment scenarios for a $215K home using Georgia's 0.92% tax rate and $2,200/yr insurance.
5% Down
$1,758/mo
Down: $10,750
Loan: $204K
P&I: $1,291
Tax: $165
Insurance: $183
PMI: $119
10% Down
$1,684/mo
Down: $21,500
Loan: $194K
P&I: $1,223
Tax: $165
Insurance: $183
PMI: $113
20% Down (No PMI)
$1,435/mo
Down: $43,000
Loan: $172K
P&I: $1,087
Tax: $165
Insurance: $183
Income needed (28% rule): $62K/year with 20% down, $72K/year with 10% down.
Rent vs Buy in Dalton
Rent
$1,020/mo
vs
Buy (10% down)
$1,684/mo
Price-to-rent ratio: 17.6 — A ratio between 15-20 means the rent vs buy decision in Dalton depends heavily on your timeline. If you plan to stay 5+ years, buying likely wins. For shorter stays, renting preserves flexibility.
The median home price in Dalton is $215,000, 37% below the Georgia state median of $340,000. With a population of 34,043, Dalton is a smaller market where home prices tend to be more accessible than in many parts of Georgia.
Property taxes in Georgia average 0.92% annually. This moderate property tax rate means a $215,000 home in Dalton would carry roughly $165/month in property taxes. Homeowners insurance in Georgia runs approximately $2,200 per year. This is within the normal range nationally.
Average rent in Dalton is $1,020/month. The price-to-rent ratio in Dalton is moderate, meaning the buy-vs-rent decision depends heavily on how long you plan to stay.
Dalton offers strong affordability. With median prices under $250K, first-time buyers have realistic paths to homeownership, especially combined with Georgia's Georgia Dream Homeownership program.
Run a Rent vs Buy analysis
Compare total costs of renting vs buying in Dalton.