Total monthly cost of ownership
Cost to Own a Home in Baxley, Georgia
A $75,000 home here costs
$783per month, all in, with 20% down at today's 7.24% 30-year fixed rate. By the 28% rule that takes a household income of about $33,500 a year.
A standard mortgage calculator would have told you $409. The real number is $374 higher every month, 91% more than the payment most buyers budget for.
Compare Appling County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Baxley from a five-year rolling sample, and with about 4,971 residents that sample is small. The median home value here carries a much wider margin of error than a big-city figure does, so treat it as indicative rather than exact. The Appling County figures are drawn from a far larger sample if you want a steadier number.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Baxley against Appling County and Georgia
| Measure | Baxley | Appling County |
|---|---|---|
| Median home value | $75,300 | $81,400 |
| Median property tax | $482 | $689 |
| Effective tax rate | 0.640% | 0.846% |
| Median gross rent | $699 | $711 |
| Population | 4,971 | 18,426 |
The weather behind that power bill
Baxley sits in Appling County, which averages a high of 92.0°F in its hottest month and a low of 39.0°F in its coldest, with 45.66" of precipitation a year and 35% of it in a single three-month stretch. That climate drives 2,299 cooling and 1,720 heating degree days, which is what sets the $171 electricity line above.
See the full climate breakdown for Appling County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Appling County
No other places of this size are published in Appling County.
Full Appling County cost breakdown · Every county in Georgia
Talk to someone who works this market
These are Baxley averages. What one specific house costs to own, or what it would sell for today, depends on the street and the condition of the place. We will connect you with one licensed local agent who works Baxley every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Baxley I already own here and may sell
Common questions
How much does it cost to own a home in Baxley?
A $75,000 home in Baxley, Georgia costs approximately $783 per month with 20% down at 7.24%. That is $409 principal and interest, $40 property tax, $33 homeowners insurance, $239 utilities and $63 set aside for maintenance.
What is the property tax rate in Baxley?
Baxley has an effective property tax rate of 0.640%, based on a median home value of $75,300 and median real estate taxes of $482. That is lower than the Appling County average of 0.846%.
What is the average home price in Baxley?
The median owner-occupied home value in Baxley, Georgia is $75,300, against $81,400 across Appling County.
Is it cheaper to rent or buy in Baxley?
Median gross rent in Baxley is $699 a month, against $783 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in Baxley?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Baxley, Georgia at today's rate takes a household income of roughly $33,500 a year. That covers the full $783 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Baxley, 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.