Augusta, Georgia
Your complete mortgage and home buying guide for Augusta.
Market Overview
Augusta is Georgia's second-largest metro area, famous worldwide for The Masters Tournament at Augusta National. The city sits along the Savannah River and offers an affordable cost of living with a stable economy driven by Fort Eisenhower (formerly Fort Gordon), the Medical College of Georgia, and the growing cybersecurity sector.
Current Market Conditions
Augusta offers some of the most affordable housing in Georgia's metro areas. The market is balanced with reasonable inventory levels. Military and government employment provides stability. The cyber corridor expansion near Fort Eisenhower is driving new development and price appreciation in surrounding areas.
2026 Loan Limits
Conforming Loan Limit
$832,750
Single-family, 1 unit
FHA Loan Limit
$541,287
Single-family, 1 unit (county limit)
Neighborhood Guide
Summerville/Hill
Historic neighborhood with Victorian and Colonial homes on tree-canopied streets. Median around $280K.
West Augusta
Suburban area near the National Hills and shopping. Family-friendly with homes from $200K-$350K.
Martinez/Evans
Columbia County suburbs with top-rated schools. New construction from $250K-$450K.
Downtown Augusta
Revitalizing riverfront district with lofts and renovated properties. Great investment potential.
Tips for Buyers
- 1Columbia County (Evans/Martinez) has some of the best public schools in Georgia.
- 2VA loans are popular here due to the Fort Eisenhower military community.
- 3The cyber corridor is driving new development -- look for appreciation potential nearby.
- 4Property taxes are lower in Augusta compared to Atlanta metro.
Next Steps
Line up your financing before you tour homes in Augusta.