Total monthly cost of ownership
Cost to Own a Home in Echols County, Georgia
A $113,000 home here costs
$1,067per 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 $45,500 a year.
A standard mortgage calculator would have told you $587. The real number is $480 higher every month, 82% more than the payment most buyers budget for.
Compare Echols County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Echols County from a five-year rolling sample, and with about 3,705 residents that sample is small. The median home value here carries a much wider margin of error than a big-city figure does, so treat it as indicative rather than exact. The Echols County figures are drawn from a far larger sample if you want a steadier number.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Echols County against Echols County and Georgia
| Measure | Echols County | Echols County |
|---|---|---|
| Median home value | $112,600 | $112,600 |
| Median property tax | $1,110 | $1,110 |
| Effective tax rate | 0.986% | 0.986% |
| Median gross rent | $833 | $833 |
| Population | 3,705 | 3,705 |
The weather behind that power bill
Echols County sits in Echols County, which averages a high of 92.1°F in its hottest month and a low of 38.6°F in its coldest, with 48.41" of precipitation a year and 36% of it in a single three-month stretch. That climate drives 2,409 cooling and 1,649 heating degree days, which is what sets the $176 electricity line above.
See the full climate breakdown for Echols County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Echols County
No other places of this size are published in Echols County.
Talk to someone who works this market
These are Echols County 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 Echols County every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Echols County I already own here and may sell
Common questions
How much does it cost to own a home in Echols County?
A $113,000 home in Echols County, Georgia costs approximately $1,067 per month with 20% down at 6.76%. That is $587 principal and interest, $93 property tax, $49 homeowners insurance, $244 utilities and $94 set aside for maintenance.
What is the property tax rate in Echols County?
Echols County has an effective property tax rate of 0.986%, based on a median home value of $112,600 and median real estate taxes of $1,110. That is in line with the Echols County average of 0.986%.
What is the average home price in Echols County?
The median owner-occupied home value in Echols County, Georgia is $112,600, against $112,600 across Echols County.
Is it cheaper to rent or buy in Echols County?
Median gross rent in Echols County is $833 a month, against $1,067 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in Echols County?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Echols County, Georgia at today's rate takes a household income of roughly $45,500 a year. That covers the full $1,067 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Echols County, 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.