Total monthly cost of ownership
Cost to Own a Home in Cartersville, Georgia
A $298,000 home here costs
$2,325per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,532. The real number is $792 higher every month — 52% 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.
Cartersville against Bartow County and Georgia
| Measure | Cartersville | Bartow County |
|---|---|---|
| Median home value | $298,000 | $262,200 |
| Median property tax | $2,452 | $1,901 |
| Effective tax rate | 0.823% | 0.725% |
| Median gross rent | $1,194 | $1,202 |
| Population | 23,617 | 111,153 |
The weather behind that power bill
Cartersville sits in Bartow County, which averages a high of 89.6°F in its hottest month and a low of 31.4°F in its coldest, with 48.06" of precipitation a year and 29% of it in a single three-month stretch. That climate drives 1,627 cooling and 3,118 heating degree days, which is what sets the $142 electricity line above.
See the full climate breakdown for Bartow County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Bartow County
Common questions
How much does it cost to own a home in Cartersville?
A $298,000 home in Cartersville, Georgia costs approximately $2,325 per month with 20% down at 6.66%. That is $1,532 principal and interest, $204 property tax, $129 homeowners insurance, $210 utilities and $248 set aside for maintenance.
What is the property tax rate in Cartersville?
Cartersville has an effective property tax rate of 0.823%, based on a median home value of $298,000 and median real estate taxes of $2,452. That is higher than the Bartow County average of 0.725%.
What is the average home price in Cartersville?
The median owner-occupied home value in Cartersville, Georgia is $298,000, against $262,200 across Bartow County.
Is it cheaper to rent or buy in Cartersville?
Median gross rent in Cartersville is $1,194 a month, against $2,325 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 Cartersville — 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.