Total monthly cost of ownership
Cost to Own a Home in Camilla, Georgia
A $74,000 home here costs
$812per 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 $35,000 a year.
A standard mortgage calculator would have told you $403. The real number is $409 higher every month, 101% more than the payment most buyers budget for.
Compare Mitchell County with anywhere in America · full county breakdown
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Camilla against Mitchell County and Georgia
| Measure | Camilla | Mitchell County |
|---|---|---|
| Median home value | $74,400 | $105,500 |
| Median property tax | $921 | $1,347 |
| Effective tax rate | 1.238% | 1.277% |
| Median gross rent | $785 | $776 |
| Population | 5,158 | 21,441 |
The weather behind that power bill
Camilla sits in Mitchell County, which averages a high of 90.4°F in its hottest month and a low of 37.7°F in its coldest, with 51.57" of precipitation a year and 31% of it in a single three-month stretch. That climate drives 2,304 cooling and 1,921 heating degree days, which is what sets the $171 electricity line above.
See the full climate breakdown for Mitchell County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Mitchell County
Full Mitchell County cost breakdown · Every county in Georgia
Talk to someone who works this market
These are Camilla 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 Camilla every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Camilla I already own here and may sell
Common questions
How much does it cost to own a home in Camilla?
A $74,000 home in Camilla, Georgia costs approximately $812 per month with 20% down at 7.24%. That is $403 principal and interest, $76 property tax, $32 homeowners insurance, $239 utilities and $62 set aside for maintenance.
What is the property tax rate in Camilla?
Camilla has an effective property tax rate of 1.238%, based on a median home value of $74,400 and median real estate taxes of $921. That is lower than the Mitchell County average of 1.277%.
What is the average home price in Camilla?
The median owner-occupied home value in Camilla, Georgia is $74,400, against $105,500 across Mitchell County.
Is it cheaper to rent or buy in Camilla?
Median gross rent in Camilla is $785 a month, against $812 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 Camilla?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Camilla, Georgia at today's rate takes a household income of roughly $35,000 a year. That covers the full $812 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Camilla, 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.