Total monthly cost of ownership
Cost to Own a Home in Carrollton, Georgia
A $283,000 home here costs
$2,180per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,455. The real number is $725 higher every month — 50% 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.
Carrollton against Carroll County and Georgia
| Measure | Carrollton | Carroll County |
|---|---|---|
| Median home value | $283,100 | $227,500 |
| Median property tax | $1,872 | $1,420 |
| Effective tax rate | 0.661% | 0.624% |
| Median gross rent | $1,067 | $1,124 |
| Population | 27,058 | 122,187 |
The weather behind that power bill
Carrollton sits in Carroll County, which averages a high of 89.6°F in its hottest month and a low of 31.6°F in its coldest, with 53.48" of precipitation a year and 30% of it in a single three-month stretch. That climate drives 1,688 cooling and 2,992 heating degree days, which is what sets the $142 electricity line above.
See the full climate breakdown for Carroll County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Carroll County
Full Carroll County cost breakdown · Every county in Georgia
Common questions
How much does it cost to own a home in Carrollton?
A $283,000 home in Carrollton, Georgia costs approximately $2,180 per month with 20% down at 6.66%. That is $1,455 principal and interest, $156 property tax, $123 homeowners insurance, $210 utilities and $236 set aside for maintenance.
What is the property tax rate in Carrollton?
Carrollton has an effective property tax rate of 0.661%, based on a median home value of $283,100 and median real estate taxes of $1,872. That is higher than the Carroll County average of 0.624%.
What is the average home price in Carrollton?
The median owner-occupied home value in Carrollton, Georgia is $283,100, against $227,500 across Carroll County.
Is it cheaper to rent or buy in Carrollton?
Median gross rent in Carrollton is $1,067 a month, against $2,180 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 Carrollton — 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.