Total monthly cost of ownership
Cost to Own a Home in Cuthbert, Georgia
A $87,000 home here costs
$841per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $447. The real number is $394 higher every month — 88% 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.
Cuthbert against Randolph County and Georgia
| Measure | Cuthbert | Randolph County |
|---|---|---|
| Median home value | $86,600 | $90,900 |
| Median property tax | $875 | $800 |
| Effective tax rate | 1.010% | 0.880% |
| Median gross rent | $484 | $554 |
| Population | 3,045 | 6,270 |
The weather behind that power bill
Cuthbert sits in Randolph County, which averages a high of 91.5°F in its hottest month and a low of 34.9°F in its coldest, with 55.69" of precipitation a year and 32% of it in a single three-month stretch. That climate drives 2,120 cooling and 2,184 heating degree days, which is what sets the $142 electricity line above.
See the full climate breakdown for Randolph County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Randolph County
No other places of this size are published in Randolph County.
Full Randolph County cost breakdown · Every county in Georgia
Common questions
How much does it cost to own a home in Cuthbert?
A $87,000 home in Cuthbert, Georgia costs approximately $841 per month with 20% down at 6.66%. That is $447 principal and interest, $73 property tax, $38 homeowners insurance, $210 utilities and $73 set aside for maintenance.
What is the property tax rate in Cuthbert?
Cuthbert has an effective property tax rate of 1.010%, based on a median home value of $86,600 and median real estate taxes of $875. That is higher than the Randolph County average of 0.880%.
What is the average home price in Cuthbert?
The median owner-occupied home value in Cuthbert, Georgia is $86,600, against $90,900 across Randolph County.
Is it cheaper to rent or buy in Cuthbert?
Median gross rent in Cuthbert is $484 a month, against $841 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 Cuthbert — 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.