Total monthly cost of ownership
Cost to Own a Home in Christiana, Tennessee
A $351,000 home here costs
$2,727per month, all in, with 20% down at today's 7.40% 30-year fixed rate. By the 28% rule that takes a household income of about $117,000 a year.
A standard mortgage calculator would have told you $1,944. The real number is $783 higher every month, 40% more than the payment most buyers budget for.
Compare Rutherford County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Christiana from a five-year rolling sample, and with about 4,753 residents that sample is small. The median home value here carries a much wider margin of error than a big-city figure does, so treat it as indicative rather than exact. The Rutherford County figures are drawn from a far larger sample if you want a steadier number.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Christiana against Rutherford County and Tennessee
| Measure | Christiana | Rutherford County |
|---|---|---|
| Median home value | $350,700 | $346,400 |
| Median property tax | $1,395 | $1,757 |
| Effective tax rate | 0.398% | 0.507% |
| Median gross rent | $1,489 | $1,405 |
| Population | 4,753 | 351,591 |
The weather behind that power bill
Christiana sits in Rutherford County, which averages a high of 89.2°F in its hottest month and a low of 27.5°F in its coldest, with 55.92" of precipitation a year and 28% of it in a single three-month stretch. That climate drives 1,582 cooling and 3,765 heating degree days, which is what sets the $158 electricity line above.
See the full climate breakdown for Rutherford County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Rutherford County
Full Rutherford County cost breakdown · Every county in Tennessee
Talk to someone who works this market
These are Christiana 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 Christiana every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Christiana I already own here and may sell
Common questions
How much does it cost to own a home in Christiana?
A $351,000 home in Christiana, Tennessee costs approximately $2,727 per month with 20% down at 7.4%. That is $1,944 principal and interest, $116 property tax, $148 homeowners insurance, $226 utilities and $293 set aside for maintenance.
What is the property tax rate in Christiana?
Christiana has an effective property tax rate of 0.398%, based on a median home value of $350,700 and median real estate taxes of $1,395. That is lower than the Rutherford County average of 0.507%.
What is the average home price in Christiana?
The median owner-occupied home value in Christiana, Tennessee is $350,700, against $346,400 across Rutherford County.
Is it cheaper to rent or buy in Christiana?
Median gross rent in Christiana is $1,489 a month, against $2,727 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 Christiana?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Christiana, Tennessee at today's rate takes a household income of roughly $117,000 a year. That covers the full $2,727 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Christiana, US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance, NAIC average premium for Tennessee.
- 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.