Total monthly cost of ownership
Cost to Own a Home in Cusseta, Georgia
A $100,000 home here costs
$972per month, all in, with 20% down at today's 6.76% 30-year fixed rate. By the 28% rule that takes a household income of about $41,500 a year.
A standard mortgage calculator would have told you $519. The real number is $453 higher every month, 87% more than the payment most buyers budget for.
Compare Chattahoochee 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.
Cusseta against Chattahoochee County and Georgia
| Measure | Cusseta | Chattahoochee County |
|---|---|---|
| Median home value | $99,800 | $99,800 |
| Median property tax | $988 | $988 |
| Effective tax rate | 0.990% | 0.990% |
| Median gross rent | $1,235 | $1,235 |
| Population | 9,181 | 9,181 |
The weather behind that power bill
Cusseta sits in Chattahoochee County, which averages a high of 92.9°F in its hottest month and a low of 38.2°F in its coldest, with 48.82" of precipitation a year and 28% of it in a single three-month stretch. That climate drives 2,534 cooling and 1,942 heating degree days, which is what sets the $176 electricity line above.
See the full climate breakdown for Chattahoochee County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Chattahoochee County
No other places of this size are published in Chattahoochee County.
Full Chattahoochee County cost breakdown · Every county in Georgia
Talk to someone who works this market
These are Cusseta 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 Cusseta every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Cusseta I already own here and may sell
Common questions
How much does it cost to own a home in Cusseta?
A $100,000 home in Cusseta, Georgia costs approximately $972 per month with 20% down at 6.76%. That is $519 principal and interest, $82 property tax, $43 homeowners insurance, $244 utilities and $83 set aside for maintenance.
What is the property tax rate in Cusseta?
Cusseta has an effective property tax rate of 0.990%, based on a median home value of $99,800 and median real estate taxes of $988. That is in line with the Chattahoochee County average of 0.990%.
What is the average home price in Cusseta?
The median owner-occupied home value in Cusseta, Georgia is $99,800, against $99,800 across Chattahoochee County.
Is it cheaper to rent or buy in Cusseta?
Median gross rent in Cusseta is $1,235 a month, against $972 to own the median home all in. Owning costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in Cusseta?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Cusseta, Georgia at today's rate takes a household income of roughly $41,500 a year. That covers the full $972 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Cusseta, 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.