Total monthly cost of ownership
Cost to Own a Home in Comer, Georgia
A $186,000 home here costs
$1,564per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $956. The real number is $608 higher every month — 64% 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.
Comer against Madison County and Georgia
| Measure | Comer | Madison County |
|---|---|---|
| Median home value | $185,900 | $198,800 |
| Median property tax | $1,940 | $1,608 |
| Effective tax rate | 1.044% | 0.809% |
| Median gross rent | $881 | $951 |
| Population | 1,928 | 30,914 |
The weather behind that power bill
Comer sits in Madison County, which averages a high of 89.3°F in its hottest month and a low of 31.7°F in its coldest, with 51.2" of precipitation a year and 28% of it in a single three-month stretch. That climate drives 1,573 cooling and 3,118 heating degree days, which is what sets the $142 electricity line above.
See the full climate breakdown for Madison County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Madison County
Full Madison County cost breakdown · Every county in Georgia
Common questions
How much does it cost to own a home in Comer?
A $186,000 home in Comer, Georgia costs approximately $1,564 per month with 20% down at 6.66%. That is $956 principal and interest, $162 property tax, $81 homeowners insurance, $210 utilities and $155 set aside for maintenance.
What is the property tax rate in Comer?
Comer has an effective property tax rate of 1.044%, based on a median home value of $185,900 and median real estate taxes of $1,940. That is higher than the Madison County average of 0.809%.
What is the average home price in Comer?
The median owner-occupied home value in Comer, Georgia is $185,900, against $198,800 across Madison County.
Is it cheaper to rent or buy in Comer?
Median gross rent in Comer is $881 a month, against $1,564 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 Comer — 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.