Total monthly cost of ownership
Cost to Own a Home in Arcade, Georgia
A $229,000 home here costs
$1,792per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,177. The real number is $615 higher every month — 52% 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.
Arcade against Jackson County and Georgia
| Measure | Arcade | Jackson County |
|---|---|---|
| Median home value | $228,800 | $312,700 |
| Median property tax | $1,366 | $2,761 |
| Effective tax rate | 0.597% | 0.883% |
| Median gross rent | $940 | $1,048 |
| Population | 1,705 | 80,640 |
The weather behind that power bill
Arcade sits in Jackson County, which averages a high of 88.1°F in its hottest month and a low of 33.7°F in its coldest, with 52.38" of precipitation a year and 27% of it in a single three-month stretch. That climate drives 1,632 cooling and 3,002 heating degree days, which is what sets the $142 electricity line above.
See the full climate breakdown for Jackson County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Jackson County
Full Jackson County cost breakdown · Every county in Georgia
Common questions
How much does it cost to own a home in Arcade?
A $229,000 home in Arcade, Georgia costs approximately $1,792 per month with 20% down at 6.66%. That is $1,177 principal and interest, $114 property tax, $99 homeowners insurance, $210 utilities and $191 set aside for maintenance.
What is the property tax rate in Arcade?
Arcade has an effective property tax rate of 0.597%, based on a median home value of $228,800 and median real estate taxes of $1,366. That is lower than the Jackson County average of 0.883%.
What is the average home price in Arcade?
The median owner-occupied home value in Arcade, Georgia is $228,800, against $312,700 across Jackson County.
Is it cheaper to rent or buy in Arcade?
Median gross rent in Arcade is $940 a month, against $1,792 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 Arcade — 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.