Total monthly cost of ownership
Cost to Own a Home in Cartersville, Georgia
A $298,000 home here costs
$2,446per 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 $105,000 a year.
A standard mortgage calculator would have told you $1,625. The real number is $821 higher every month, 51% more than the payment most buyers budget for.
Compare Bartow 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.
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 $171 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
Talk to someone who works this market
These are Cartersville 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 Cartersville every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Cartersville I already own here and may sell
Common questions
How much does it cost to own a home in Cartersville?
A $298,000 home in Cartersville, Georgia costs approximately $2,446 per month with 20% down at 7.24%. That is $1,625 principal and interest, $204 property tax, $129 homeowners insurance, $239 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 $2,446 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 Cartersville?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Cartersville, Georgia at today's rate takes a household income of roughly $105,000 a year. That covers the full $2,446 monthly cost, not just the mortgage payment.
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.