Total monthly cost of ownership
Cost to Own a Home in Eatonton, Georgia
A $145,000 home here costs
$1,238per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $745. The real number is $493 higher every month — 66% 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.
Eatonton against Putnam County and Georgia
| Measure | Eatonton | Putnam County |
|---|---|---|
| Median home value | $144,800 | $222,000 |
| Median property tax | $1,183 | $1,604 |
| Effective tax rate | 0.817% | 0.723% |
| Median gross rent | $881 | $1,063 |
| Population | 6,430 | 22,524 |
The weather behind that power bill
Eatonton sits in Putnam County, which averages a high of 89.5°F in its hottest month and a low of 34.1°F in its coldest, with 47.75" of precipitation a year and 28% of it in a single three-month stretch. That climate drives 1,694 cooling and 2,789 heating degree days, which is what sets the $142 electricity line above.
See the full climate breakdown for Putnam County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Putnam County
No other places of this size are published in Putnam County.
Common questions
How much does it cost to own a home in Eatonton?
A $145,000 home in Eatonton, Georgia costs approximately $1,238 per month with 20% down at 6.66%. That is $745 principal and interest, $99 property tax, $63 homeowners insurance, $210 utilities and $121 set aside for maintenance.
What is the property tax rate in Eatonton?
Eatonton has an effective property tax rate of 0.817%, based on a median home value of $144,800 and median real estate taxes of $1,183. That is higher than the Putnam County average of 0.723%.
What is the average home price in Eatonton?
The median owner-occupied home value in Eatonton, Georgia is $144,800, against $222,000 across Putnam County.
Is it cheaper to rent or buy in Eatonton?
Median gross rent in Eatonton is $881 a month, against $1,238 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 Eatonton — 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.