Total monthly cost of ownership
Cost to Own a Home in Byrdstown, Tennessee
A $158,000 home here costs
$1,264per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $812. The real number is $452 higher every month — 56% 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.
Byrdstown against Pickett County and Tennessee
| Measure | Byrdstown | Pickett County |
|---|---|---|
| Median home value | $158,000 | $162,200 |
| Median property tax | $671 | $606 |
| Effective tax rate | 0.425% | 0.374% |
| Median gross rent | $404 | $755 |
| Population | 1,344 | 5,062 |
The weather behind that power bill
Byrdstown sits in Pickett County, which averages a high of 84.5°F in its hottest month and a low of 26.7°F in its coldest, with 54.58" of precipitation a year and 28% of it in a single three-month stretch. That climate drives 1,150 cooling and 4,125 heating degree days, which is what sets the $130 electricity line above.
See the full climate breakdown for Pickett County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Pickett County
No other places of this size are published in Pickett County.
Full Pickett County cost breakdown · Every county in Tennessee
Common questions
How much does it cost to own a home in Byrdstown?
A $158,000 home in Byrdstown, Tennessee costs approximately $1,264 per month with 20% down at 6.66%. That is $812 principal and interest, $56 property tax, $66 homeowners insurance, $198 utilities and $132 set aside for maintenance.
What is the property tax rate in Byrdstown?
Byrdstown has an effective property tax rate of 0.425%, based on a median home value of $158,000 and median real estate taxes of $671. That is higher than the Pickett County average of 0.374%.
What is the average home price in Byrdstown?
The median owner-occupied home value in Byrdstown, Tennessee is $158,000, against $162,200 across Pickett County.
Is it cheaper to rent or buy in Byrdstown?
Median gross rent in Byrdstown is $404 a month, against $1,264 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 Byrdstown — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for Tennessee.
- 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.