Total monthly cost of ownership
Cost to Own a Home in Ball Ground, Georgia
A $347,000 home here costs
$2,642per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,784. The real number is $858 higher every month — 48% 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.
Ball Ground against Cherokee County and Georgia
| Measure | Ball Ground | Cherokee County |
|---|---|---|
| Median home value | $346,800 | $389,800 |
| Median property tax | $2,495 | $2,734 |
| Effective tax rate | 0.719% | 0.701% |
| Median gross rent | $1,381 | $1,703 |
| Population | 2,665 | 274,539 |
The weather behind that power bill
Ball Ground sits in Cherokee County, which averages a high of 89.6°F in its hottest month and a low of 31.4°F in its coldest, with 48.06" of precipitation a year and 29% of it in a single three-month stretch. That climate drives 1,627 cooling and 3,118 heating degree days, which is what sets the $142 electricity line above.
See the full climate breakdown for Cherokee County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Cherokee County
Full Cherokee County cost breakdown · Every county in Georgia
Common questions
How much does it cost to own a home in Ball Ground?
A $347,000 home in Ball Ground, Georgia costs approximately $2,642 per month with 20% down at 6.66%. That is $1,784 principal and interest, $208 property tax, $151 homeowners insurance, $210 utilities and $289 set aside for maintenance.
What is the property tax rate in Ball Ground?
Ball Ground has an effective property tax rate of 0.719%, based on a median home value of $346,800 and median real estate taxes of $2,495. That is higher than the Cherokee County average of 0.701%.
What is the average home price in Ball Ground?
The median owner-occupied home value in Ball Ground, Georgia is $346,800, against $389,800 across Cherokee County.
Is it cheaper to rent or buy in Ball Ground?
Median gross rent in Ball Ground is $1,381 a month, against $2,642 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 Ball Ground — 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.