Total monthly cost of ownership
Cost to Own a Home in Clayton, Georgia
A $228,000 home here costs
$1,812per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,172. The real number is $639 higher every month — 55% 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.
Clayton against Rabun County and Georgia
| Measure | Clayton | Rabun County |
|---|---|---|
| Median home value | $228,100 | $272,600 |
| Median property tax | $1,681 | $1,463 |
| Effective tax rate | 0.737% | 0.537% |
| Median gross rent | $868 | $1,016 |
| Population | 2,420 | 17,107 |
The weather behind that power bill
Clayton sits in Rabun County, which averages a high of 85.4°F in its hottest month and a low of 29.7°F in its coldest, with 71.73" of precipitation a year and 28% of it in a single three-month stretch. That climate drives 1,077 cooling and 3,669 heating degree days, which is what sets the $142 electricity line above.
See the full climate breakdown for Rabun County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Rabun County
Common questions
How much does it cost to own a home in Clayton?
A $228,000 home in Clayton, Georgia costs approximately $1,812 per month with 20% down at 6.66%. That is $1,172 principal and interest, $140 property tax, $99 homeowners insurance, $210 utilities and $190 set aside for maintenance.
What is the property tax rate in Clayton?
Clayton has an effective property tax rate of 0.737%, based on a median home value of $228,100 and median real estate taxes of $1,681. That is higher than the Rabun County average of 0.537%.
What is the average home price in Clayton?
The median owner-occupied home value in Clayton, Georgia is $228,100, against $272,600 across Rabun County.
Is it cheaper to rent or buy in Clayton?
Median gross rent in Clayton is $868 a month, against $1,812 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 Clayton — 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.