Total monthly cost of ownership
Cost to Own a Home in Adel, Georgia
A $137,000 home here costs
$1,170per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $704. The real number is $466 higher every month — 66% more than the payment most buyers budget for.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Adel against Cook County and Georgia
| Measure | Adel | Cook County |
|---|---|---|
| Median home value | $136,900 | $123,000 |
| Median property tax | $983 | $1,009 |
| Effective tax rate | 0.718% | 0.820% |
| Median gross rent | $929 | $901 |
| Population | 5,619 | 17,363 |
The weather behind that power bill
Adel sits in Cook County, which averages a high of 92.1°F in its hottest month and a low of 38.6°F in its coldest, with 48.41" of precipitation a year and 36% of it in a single three-month stretch. That climate drives 2,409 cooling and 1,649 heating degree days, which is what sets the $142 electricity line above.
See the full climate breakdown for Cook County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Cook County
Common questions
How much does it cost to own a home in Adel?
A $137,000 home in Adel, Georgia costs approximately $1,170 per month with 20% down at 6.66%. That is $704 principal and interest, $82 property tax, $59 homeowners insurance, $210 utilities and $114 set aside for maintenance.
What is the property tax rate in Adel?
Adel has an effective property tax rate of 0.718%, based on a median home value of $136,900 and median real estate taxes of $983. That is lower than the Cook County average of 0.820%.
What is the average home price in Adel?
The median owner-occupied home value in Adel, Georgia is $136,900, against $123,000 across Cook County.
Is it cheaper to rent or buy in Adel?
Median gross rent in Adel is $929 a month, against $1,170 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Adel — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for Georgia.
- Electricity price — EIA Electric Power Monthly Table 5.6.A.
- Mortgage rate — Freddie Mac PMMS, refreshed weekly.
- Maintenance (1%/yr) and water and sewer ($68/mo) are national estimates. Every assumption above is editable.