Total monthly cost of ownership
Cost to Own a Home in Cairo, Georgia
A $114,000 home here costs
$1,061per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $586. The real number is $475 higher every month — 81% 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.
Cairo against Grady County and Georgia
| Measure | Cairo | Grady County |
|---|---|---|
| Median home value | $114,300 | $136,500 |
| Median property tax | $1,442 | $1,337 |
| Effective tax rate | 1.262% | 0.979% |
| Median gross rent | $728 | $789 |
| Population | 10,067 | 26,056 |
The weather behind that power bill
Cairo sits in Grady County, which averages a high of 90.3°F in its hottest month and a low of 37.9°F in its coldest, with 50.94" of precipitation a year and 33% of it in a single three-month stretch. That climate drives 2,327 cooling and 1,756 heating degree days, which is what sets the $142 electricity line above.
See the full climate breakdown for Grady County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Grady County
No other places of this size are published in Grady County.
Common questions
How much does it cost to own a home in Cairo?
A $114,000 home in Cairo, Georgia costs approximately $1,061 per month with 20% down at 6.66%. That is $586 principal and interest, $120 property tax, $49 homeowners insurance, $210 utilities and $95 set aside for maintenance.
What is the property tax rate in Cairo?
Cairo has an effective property tax rate of 1.262%, based on a median home value of $114,300 and median real estate taxes of $1,442. That is higher than the Grady County average of 0.979%.
What is the average home price in Cairo?
The median owner-occupied home value in Cairo, Georgia is $114,300, against $136,500 across Grady County.
Is it cheaper to rent or buy in Cairo?
Median gross rent in Cairo is $728 a month, against $1,061 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 Cairo — 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.