Total monthly cost of ownership
Cost to Own a Home in Dickson, Tennessee
A $263,000 home here costs
$2,002per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,352. The real number is $650 higher every month — 48% 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.
Dickson against Dickson County and Tennessee
| Measure | Dickson | Dickson County |
|---|---|---|
| Median home value | $263,100 | $272,700 |
| Median property tax | $1,461 | $1,369 |
| Effective tax rate | 0.555% | 0.502% |
| Median gross rent | $999 | $972 |
| Population | 16,246 | 55,197 |
The weather behind that power bill
Dickson sits in Dickson County, which averages a high of 86.9°F in its hottest month and a low of 27.5°F in its coldest, with 54.07" of precipitation a year and 30% of it in a single three-month stretch. That climate drives 1,327 cooling and 3,825 heating degree days, which is what sets the $130 electricity line above.
See the full climate breakdown for Dickson County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Dickson County
Full Dickson County cost breakdown · Every county in Tennessee
Common questions
How much does it cost to own a home in Dickson?
A $263,000 home in Dickson, Tennessee costs approximately $2,002 per month with 20% down at 6.66%. That is $1,352 principal and interest, $122 property tax, $111 homeowners insurance, $198 utilities and $219 set aside for maintenance.
What is the property tax rate in Dickson?
Dickson has an effective property tax rate of 0.555%, based on a median home value of $263,100 and median real estate taxes of $1,461. That is higher than the Dickson County average of 0.502%.
What is the average home price in Dickson?
The median owner-occupied home value in Dickson, Tennessee is $263,100, against $272,700 across Dickson County.
Is it cheaper to rent or buy in Dickson?
Median gross rent in Dickson is $999 a month, against $2,002 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 Dickson — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for Tennessee.
- 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.