Total monthly cost of ownership
Cost to Own a Home in Bemiss, Georgia
A $197,000 home here costs
$1,605per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,013. The real number is $592 higher every month — 58% 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.
Bemiss against Lowndes County and Georgia
| Measure | Bemiss | Lowndes County |
|---|---|---|
| Median home value | $196,500 | $197,900 |
| Median property tax | $1,584 | $1,643 |
| Effective tax rate | 0.806% | 0.830% |
| Median gross rent | $1,408 | $1,002 |
| Population | 8,464 | 119,055 |
The weather behind that power bill
Bemiss sits in Lowndes County, which averages a high of 92.1°F in its hottest month and a low of 38.6°F in its coldest, with 48.41" of precipitation a year and 36% of it in a single three-month stretch. That climate drives 2,409 cooling and 1,649 heating degree days, which is what sets the $142 electricity line above.
See the full climate breakdown for Lowndes County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Lowndes County
Full Lowndes County cost breakdown · Every county in Georgia
Common questions
How much does it cost to own a home in Bemiss?
A $197,000 home in Bemiss, Georgia costs approximately $1,605 per month with 20% down at 6.66%. That is $1,013 principal and interest, $132 property tax, $86 homeowners insurance, $210 utilities and $164 set aside for maintenance.
What is the property tax rate in Bemiss?
Bemiss has an effective property tax rate of 0.806%, based on a median home value of $196,500 and median real estate taxes of $1,584. That is lower than the Lowndes County average of 0.830%.
What is the average home price in Bemiss?
The median owner-occupied home value in Bemiss, Georgia is $196,500, against $197,900 across Lowndes County.
Is it cheaper to rent or buy in Bemiss?
Median gross rent in Bemiss is $1,408 a month, against $1,605 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 Bemiss — 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.