Total monthly cost of ownership
Cost to Own a Home in Dalton, Georgia
A $203,000 home here costs
$1,639per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,044. The real number is $595 higher every month — 57% 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.
Dalton against Whitfield County and Georgia
| Measure | Dalton | Whitfield County |
|---|---|---|
| Median home value | $203,100 | $198,900 |
| Median property tax | $1,533 | $1,339 |
| Effective tax rate | 0.755% | 0.673% |
| Median gross rent | $924 | $907 |
| Population | 34,402 | 103,118 |
The weather behind that power bill
Dalton sits in Whitfield County, which averages a high of 90.5°F in its hottest month and a low of 32.4°F in its coldest, with 55" of precipitation a year and 28% of it in a single three-month stretch. That climate drives 1,921 cooling and 3,029 heating degree days, which is what sets the $142 electricity line above.
See the full climate breakdown for Whitfield County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Whitfield County
Full Whitfield County cost breakdown · Every county in Georgia
Common questions
How much does it cost to own a home in Dalton?
A $203,000 home in Dalton, Georgia costs approximately $1,639 per month with 20% down at 6.66%. That is $1,044 principal and interest, $128 property tax, $88 homeowners insurance, $210 utilities and $169 set aside for maintenance.
What is the property tax rate in Dalton?
Dalton has an effective property tax rate of 0.755%, based on a median home value of $203,100 and median real estate taxes of $1,533. That is higher than the Whitfield County average of 0.673%.
What is the average home price in Dalton?
The median owner-occupied home value in Dalton, Georgia is $203,100, against $198,900 across Whitfield County.
Is it cheaper to rent or buy in Dalton?
Median gross rent in Dalton is $924 a month, against $1,639 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 Dalton — 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.