Total monthly cost of ownership
Cost to Own a Home in Allardt, Tennessee
A $151,000 home here costs
$1,200per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $776. The real number is $424 higher every month — 55% 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.
Allardt against Fentress County and Tennessee
| Measure | Allardt | Fentress County |
|---|---|---|
| Median home value | $151,200 | $151,800 |
| Median property tax | $438 | $519 |
| Effective tax rate | 0.290% | 0.342% |
| Median gross rent | — | $614 |
| Population | 1,078 | 18,948 |
The weather behind that power bill
Allardt sits in Fentress County, which averages a high of 82.5°F in its hottest month and a low of 27.1°F in its coldest, with 59.82" of precipitation a year and 28% of it in a single three-month stretch. That climate drives 892 cooling and 4,327 heating degree days, which is what sets the $130 electricity line above.
See the full climate breakdown for Fentress County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Fentress County
Full Fentress County cost breakdown · Every county in Tennessee
Common questions
How much does it cost to own a home in Allardt?
A $151,000 home in Allardt, Tennessee costs approximately $1,200 per month with 20% down at 6.66%. That is $776 principal and interest, $36 property tax, $64 homeowners insurance, $198 utilities and $126 set aside for maintenance.
What is the property tax rate in Allardt?
Allardt has an effective property tax rate of 0.290%, based on a median home value of $151,200 and median real estate taxes of $438. That is lower than the Fentress County average of 0.342%.
What is the average home price in Allardt?
The median owner-occupied home value in Allardt, Tennessee is $151,200, against $151,800 across Fentress County.
Is it cheaper to rent or buy in Allardt?
Rent data is not published for Allardt at this level of detail.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Allardt — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for Tennessee.
- 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.