Total monthly cost of ownership
Cost to Own a Home in Baldwin, Georgia
A $175,000 home here costs
$1,437per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $900. The real number is $537 higher every month — 60% 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.
Baldwin against Habersham County and Georgia
| Measure | Baldwin | Habersham County |
|---|---|---|
| Median home value | $174,700 | $212,000 |
| Median property tax | $1,258 | $1,330 |
| Effective tax rate | 0.720% | 0.627% |
| Median gross rent | $977 | $939 |
| Population | 3,728 | 46,948 |
Baldwin extends across 2 counties. Figures here use Habersham County, where most of its housing sits.
The weather behind that power bill
Baldwin sits in Habersham County, which averages a high of 88.2°F in its hottest month and a low of 29.1°F in its coldest, with 61.8" of precipitation a year and 28% of it in a single three-month stretch. That climate drives 1,295 cooling and 3,595 heating degree days, which is what sets the $142 electricity line above.
See the full climate breakdown for Habersham County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Habersham County
Full Habersham County cost breakdown · Every county in Georgia
Common questions
How much does it cost to own a home in Baldwin?
A $175,000 home in Baldwin, Georgia costs approximately $1,437 per month with 20% down at 6.66%. That is $900 principal and interest, $105 property tax, $76 homeowners insurance, $210 utilities and $146 set aside for maintenance.
What is the property tax rate in Baldwin?
Baldwin has an effective property tax rate of 0.720%, based on a median home value of $174,700 and median real estate taxes of $1,258. That is higher than the Habersham County average of 0.627%.
What is the average home price in Baldwin?
The median owner-occupied home value in Baldwin, Georgia is $174,700, against $212,000 across Habersham County.
Is it cheaper to rent or buy in Baldwin?
Median gross rent in Baldwin is $977 a month, against $1,437 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 Baldwin — 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.