Atlanta Money Calculators
17 free calculators built on Atlanta's own tax, housing and insurance rules — each with the reasoning explained.
Atlanta at a glance
| State and local income tax | Georgia flat 4.99% |
|---|---|
| Take-home on $100,000 (single, no deductions) | $74,939 |
| Property tax | Georgia taxes property on 40% of fair market value. |
| Government closing taxes on a $500,000 purchase (buyer + seller) | $1,700 |
| Transit | MARTA: about $95 a month |
| Auto insurance minimum | Liability 25/50/25 ($25,000 per person, $50,000 per accident bodily injury; $25,000 property damage). |
Income taxes in Atlanta
Georgia moved to a single flat income tax in 2024 and lowered it to 4.99% for 2026, with a standard deduction of $15,000 ($30,000 for joint filers). Atlanta does not levy its own income tax.
Georgia has no state disability or paid-leave payroll deduction for employees, so beyond federal taxes an Atlanta pay stub shows only Georgia withholding and benefits.
Housing: renting and buying
Atlanta spreads across Fulton and DeKalb counties, with in-town neighborhoods such as Midtown, Old Fourth Ward, Inman Park, Grant Park, Kirkwood and West End, and a wide suburban ring. The BeltLine has pushed up prices near its trails.
Georgia taxes property on 40% of fair market value. In the Fulton County part of Atlanta, the city and county millage totaled about 40.9 mills in 2025. Homestead exemptions differ by levy, and Atlanta and its schools use floating homestead exemptions that limit how quickly a home's taxable value can grow.
Closing costs and transfer taxes
Georgia's transfer tax is only $1 per $1,000 of price (0.1%), usually paid by the seller. Buyers with a mortgage pay the intangible recording tax of $1.50 per $500 of the loan (0.3%, capped at $25,000).
Getting around
MARTA runs rail and bus service with a $2.50 fare and a $95 30-day pass, but most Atlanta commuters drive. The Peach Pass express lanes on I-75, I-85 and GA-400 charge dynamic tolls.
Insurance and everyday costs
Georgia requires 25/50/25 liability coverage. Atlanta's long commutes and heavy traffic on I-75, I-85 and I-285 push premiums above the state average.
Georgia's lottery-funded Pre-K program offers free pre-kindergarten to four-year-olds, and the CAPS program helps eligible families pay for childcare. Infant care remains a major cost.
Atlanta costs less to live in than most big coastal cities, but a car is close to essential, and commutes can be long.
How to use the Atlanta calculators
Every tool below uses Atlanta's own rules — the Georgia tax engine for paychecks, the Fulton County Board of Assessors's method for property tax, and local transfer taxes for closing costs. Start with the paycheck calculator to see real take-home pay, then use the housing tools to test rents or home prices against it. Each result comes with a Reasoning box that explains which rule mattered most.
Income & Taxes
Housing & Real Estate
Insurance & Everyday Costs
Atlanta Special Tools
Frequently asked questions
Does Atlanta have a city income tax?
No. Atlanta does not levy a personal income tax; see the paycheck calculator for state taxes.
How much is take-home pay on $100,000 in Atlanta?
About $74,939 a year for a single filer with no pre-tax deductions, based on 2026 rules.
Where do the Atlanta numbers come from?
Tax rates and rules come from official sources such as the IRS, the Georgia Department of Revenue and the Fulton County Board of Assessors. Cost estimates such as typical rent are Rate and Reason starting points that you can replace with your own numbers.