Total monthly cost of ownership
Cost to Own a Home in Enigma, Georgia
A $85,000 home here costs
$803per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $437. The real number is $366 higher every month — 84% 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.
Enigma against Berrien County and Georgia
| Measure | Enigma | Berrien County |
|---|---|---|
| Median home value | $85,000 | $115,200 |
| Median property tax | $571 | $1,139 |
| Effective tax rate | 0.672% | 0.989% |
| Median gross rent | $1,007 | $771 |
| Population | 1,423 | 18,257 |
The weather behind that power bill
Enigma sits in Berrien 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 $142 electricity line above.
See the full climate breakdown for Berrien County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Berrien County
Full Berrien County cost breakdown · Every county in Georgia
Common questions
How much does it cost to own a home in Enigma?
A $85,000 home in Enigma, Georgia costs approximately $803 per month with 20% down at 6.66%. That is $437 principal and interest, $48 property tax, $37 homeowners insurance, $210 utilities and $71 set aside for maintenance.
What is the property tax rate in Enigma?
Enigma has an effective property tax rate of 0.672%, based on a median home value of $85,000 and median real estate taxes of $571. That is lower than the Berrien County average of 0.989%.
What is the average home price in Enigma?
The median owner-occupied home value in Enigma, Georgia is $85,000, against $115,200 across Berrien County.
Is it cheaper to rent or buy in Enigma?
Median gross rent in Enigma is $1,007 a month, against $803 to own the median home all in. Owning costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Enigma — 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.