Total monthly cost of ownership
Cost to Own a Home in Centerville, Georgia
A $204,000 home here costs
$1,697per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,049. The real number is $648 higher every month — 62% 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.
Centerville against Houston County and Georgia
| Measure | Centerville | Houston County |
|---|---|---|
| Median home value | $204,300 | $205,600 |
| Median property tax | $2,153 | $1,759 |
| Effective tax rate | 1.054% | 0.856% |
| Median gross rent | $1,115 | $1,143 |
| Population | 8,323 | 166,902 |
The weather behind that power bill
Centerville sits in Houston County, which averages a high of 93.5°F in its hottest month and a low of 35.9°F in its coldest, with 46.91" of precipitation a year and 29% of it in a single three-month stretch. That climate drives 2,326 cooling and 2,146 heating degree days, which is what sets the $142 electricity line above.
See the full climate breakdown for Houston County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Houston County
Full Houston County cost breakdown · Every county in Georgia
Common questions
How much does it cost to own a home in Centerville?
A $204,000 home in Centerville, Georgia costs approximately $1,697 per month with 20% down at 6.66%. That is $1,049 principal and interest, $179 property tax, $89 homeowners insurance, $210 utilities and $170 set aside for maintenance.
What is the property tax rate in Centerville?
Centerville has an effective property tax rate of 1.054%, based on a median home value of $204,300 and median real estate taxes of $2,153. That is higher than the Houston County average of 0.856%.
What is the average home price in Centerville?
The median owner-occupied home value in Centerville, Georgia is $204,300, against $205,600 across Houston County.
Is it cheaper to rent or buy in Centerville?
Median gross rent in Centerville is $1,115 a month, against $1,697 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 Centerville — 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.