Home Equity
Home Equity Loans in Georgia
Published September 24, 2026 · Last updated September 30, 2026
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The short answer
A Georgia home equity loan comes with a state tax called the intangible recording tax. It's $1.50 for every $500 you borrow, or 0.3%, on most home loans. The most it can be on one loan is $25,000. On a $50,000 home equity loan, that's about $150.
Your home backs the loan, so you could lose it if you don't repay.
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Georgia's intangible recording tax
Rate. $1.50 for each $500, or part of $500, of the loan amount.
Cap. $25,000 per note.
When it applies. To "long-term" notes secured by Georgia real estate. Since July 1, 2025, a long-term note is one with any part due more than 62 months after it's signed. Most home equity loans run longer than that, so the tax usually applies.
Who collects it. The county collects it before the loan papers are recorded.
Who pays. Georgia puts the tax on the lender, but the lender can pass the cost on to you. Most borrowers see it as a closing cost.
What the tax adds up to
- $25,000 loan: about $75
- $50,000 loan: about $150
- $100,000 loan: about $300
Your Loan Estimate will show the exact amount.
How a home equity loan works
A home equity loan gives you one lump sum, often at a fixed rate. You pay it back in set monthly payments, and your first mortgage stays the same. Lenders check your equity, credit, income, and home value before they approve you.
If you'd rather borrow as you go, look at a HELOC. If you want to replace your whole mortgage, see Georgia cash-out refinance.
What a Georgia home equity loan costs
Price range
We don't list rates or payments on this page. Your rate and terms come only from a lender, based on your situation. Compare offers from more than one lender.
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Beyond the intangible tax, ask about closing costs, appraisal fees, title fees, and any early payoff fee. Compare the APR, which rolls interest and many fees into one yearly number.
What to ask before you choose
- "How much is the Georgia intangible tax on this loan?"
- "Is it paid at closing or added to the loan?"
- "What are all the other closing costs?"
- "What's the APR, and are there prepayment penalties?"
- "How much equity must I keep in my home?"
The catch: a home equity loan turns your home into collateral. If you're using it to pay off credit cards, you're trading debt that wasn't tied to your home for debt that is. Make sure the savings are worth that risk.
Keep reading
Compare a HELOC, a Georgia cash-out refinance, or a home equity investment. Also compare Georgia homeowners insurance.
More Georgia guides: Georgia homeowners insurance · Georgia car insurance · Georgia roofing · Georgia cash-out refinance · Atlanta car insurance
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Related services
HELOC
See how a home equity line of credit works, and what can change your payment later.
Cash-Out Refinance
Explore replacing your mortgage with a larger loan and taking the difference in cash.
Home Equity Investments
See how a home equity investment (HEI) trades part of your home's future value for cash now.